Regulation

Capital is important, but ample loan-loss reserves, governed by stringent supervision, are a much more direct, responsive way to account for credit risk.

JPMorgan Chase reached a settlement with the SEC to resolve two investigations related to mortgage-backed bonds handled by JPMorgan and Bear Stearns, which the bank acquired in 2008.

Will Elizabeth Warren get a seat on the Senate Banking Committee? Will she thwart efforts to modify the Dodd-Frank Act? Republicans and the financial industry executives are anxious to know.

Enterprise Financial Services (EFSC) in St. Louis, Mo., has repurchased the $35 million of preferred stock it had issued to the Treasury Department under the Troubled Asset Relief Program.

Standard Bancshares in Hickory Hills, Ill., announced on Wednesday that it had entered into a set of definitive agreements with a consortium of private-equity investors for more than $130 million.

The elections on Nov. 6 mostly delivered the status quo, but raised a host of questions about how lawmakers will tackle the fiscal cliff, big bank breakups and housing finance reform.

The New Jersey company, which had a disappointing third quarter, also entered into a written agreement with the OCC recently. The regulatory order will likely delay plans for the mutual holding company to pursue a second-step conversion, leading some analysts to peg Roma as a good acquisition target.

What do the next four years of an Obama administration hold for the Dodd-Frank Act? There may be less talk of repeal and rollbacks, but some Democrats in Congress are pushing the agencies implementing the law to heed industry suggestions.

A number of critical races for the banking industry have been decided, though votes are still being tallied in some election contests across the country. Democrats will maintain control in the Senate, while Republicans keep the majority in the House.We offer the results of ten tight races in the Senate and House that American Banker highlighted earlier this month as critical to the industry.

The Senate Banking Committee will hold a hearing on the Basel III proposal on Nov. 14, according to a Senate aide.