Regulation

The narrowing gap between what large and small lenders pay in guarantee fees to Fannie Mae and Freddie Mac has helped the industry's smallest originators grow their share of mortgages sold to the government-sponsored enterprises.

In the aftermath of passage of a sweeping law like Dodd-Frank, sharp divisions are common. What's unusual is the way the divide has persisted five years later, and in many ways has even hardened.

Blythe Masters, the former JPMorgan Chase executive, has joined the advisory board of the Chamber of Digital Commerce, a Bitcoin trade association created to represent the young industry's interests in Washington.

A role many people did not understand less than a decade ago has become integral to how banks navigate a new set of postcrisis hazards.

The financial crisis and its aftermath elevated the stature of CROs. The true test of their new clout will come during the next market expansion.

American Banker Research conducted a detailed online survey of 49 risk management executives from our readership as part of the inaugural C-Suite Series. The respondents included risk managers from banks with over $10 billion in assets all the way down to institutions with less than $100 million in assets. Questions covered topics from where risk officers devote the most attention to what roles they see themselves taking on next. The survey reveals executives' significant focus on regulatory risk and that boards are being responsive to concerns raised by chief risk officers. Here are highlights from the research.

Honda, Toyota and Nissan's financing arms are poised to agree to limit discretionary pricing for dealers after regulators accused them of allowing partners to mark up loans at higher rates to minorities, according to confidential documents.

WASHINGTON — Federal regulators on Tuesday unveiled a much-anticipated tool meant to help institutions assess their own cybersecurity systems.

The use of prepaid cards has skyrocketed, thanks in part to rising popularity among consumers who already have a checking or savings account, according to the Pew Charitable Trusts.

The agency's Semiannual Risk Perspective pinpointed compliance and operational risk as potential problems for big banks while it outlined a different set of challenges for midsize and community banks.