Regulation

Readers react to trends in public banking, weigh potential changes for brokered deposits, consider oversight of foreign banks and more.

Love, a member of the House Financial Services Committee, was the only Republican member of the Congressional Black Caucus.

Decades-old measures designed to rein in risky lenders are now preventing healthy banks from tapping crucial sources of funds.

Record bank profits could make it tougher to get more regulatory relief; banks monitoring older clients’ mental health.

There is a surprising amount of pessimism in the air among bankers, including fears of another recession and House Democratic activism. But there are lots of reasons financial institutions should be feeling good.

The effort to raise the threshold for transactions excused from appraisal requirements responds to concerns that the current threshold is outpaced by real estate prices.

The proposed 9% ratio for institutions with less than $10 billion of assets is designed to create a simpler capital regime for small banks.

The megabank’s continued compliance problems suggest that all of its board members, along with 100 of its most senior managers, should be replaced to make way for real change.

Société Générale pays more than $1 billion for working with Cuba and others; Fed vice chair in line for global regulator chief role.

Federal Reserve Vice Chairman for Banking Supervision Randal Quarles is expected to succeed Bank of England Governor Mark Carney as chairman of the Financial Stability Board, a key global financial regulator, according to two people familiar with the matter.