Regulation

The mother of the Consumer Financial Protection Bureau spent much of her recent prime-time performance accusing banks of dishonesty. Perhaps she should take a gander in the mirror.

Leaders of small banks do not want the Fed to purchase more bonds or keep interest rates low. Instead, they want the Fed stand down and let the economy heal on its own.

The Office of Financial Research, created by the Dodd-Frank Act, has neither yet become the all-powerful entity its opponents feared, nor "the muscular, autonomous U.S. hub for financial regulatory data collection, standardization and storage that its backers hoped for.”

To develop a successful mobile wallet, many agree industry collaboration is necessary. But how much collaboration is too much?

The acting director of the FHFA said Fannie Mae and Freddie Mac need to increase the fees they charge to guarantee mortgages in states where it's costlier for them to deal with bad debt.

The National Retail Federation said it will try to block a settlement of as much as $7.25 billion with Visa and MasterCard over the fees they charge shops when customers pay with credit cards.

Although creditors could lose money in FDIC wind-downs of large firms authorized by the Dodd-Frank Act, many of them may own a piece of the startup that emerges from the failed company's ashes.

The National Retail Federation said it will try to block a settlement of as much as $7.25 billion with Visa and MasterCard over the fees they charge shops when customers pay with credit cards.

The Federal Housing Finance Agency said Tuesday that Fannie Mae and Freddie Mac are pursuing a new representation and warranties model for conventional loans to help minimize risk exposure for lenders.

The FDIC can invest in the equity of teetering but salvageable banks. This would save money for the taxpayers, preserve banks that are worth preserving – and send a clear message about the future of community banking.