Regulation

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and from social media platforms.

Trading revenues at commercial banks and thrifts took a dive in the fourth quarter but largely because of seasonal trends, the Office of the Comptroller of the Currency said Wednesday.

As the industry's recovery boosts hopes of new-bank activity, some are already focused on what the greater stability could mean for the embattled industrial loan company charter.

The administration's new step empowers Treasury to freeze assets of those behind attacks that harm the U.S. financial system or other "critical" infrastructures.

The Office of the Comptroller of the Currency appointed Richard Taft to be its next deputy comptroller for credit risk.

The technology, still in its early development stages, will analyze Home Mortgage Disclosure Act files prior to formal submission to the regulator so lenders can spot and fix errors faster.

Federal regulators announced Tuesday they approved Wells Fargo’s process for complying with risk-based capital requirements under the “advanced approaches” framework of the international Basel III regime.

The fight over the Dodd-Frank Act's $50 billion threshold will determine whether some banks get a respite from tougher rules, but it may also shape how the industry and lawmakers think about threats to the financial system more broadly.

Atlantic Coast Financial in Jacksonville, Fla., has been released from an enforcement action that required it to improve its capital ratios.

The sweeping reforms passed in 2010 didn't bring community banks to the brink of extinction. Rather, their numbers have dwindled because of the impact of economies of scale and dormant de novo banking activity.