Regulation

The Subsidy Reserve Act of 2015 could solve "too big to fail" and level the playing field for smaller banks by requiring the largest financial institutions to accumulate capital equal to the amount of the market subsidy they receive.

Fannie Mae reported net income of $14.2 billion last year, a sharp decline from the record $84 billion in 2013 that was inflated by accounting for tax credits.

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 our social media platforms.

CFPB officials are keeping a close watch on the Qualified Mortgage and ability-to-repay rules to gauge whether further changes should be made. But mortgage numbers don't give a clear picture on what kind of impact they've had.

WASHINGTON — The Consumer Financial Protection Bureau will continue its work to ensure credit reports are fair and freely given to consumers, agency director Richard Cordray said Thursday.

Online banking, ATMs and other advances have curtailed face-to-face transactions, but new Federal Deposit Insurance Corp. research says the brick-and-mortar office isn't going anywhere just yet.

The FDIC is taking important steps to undo the damage caused by Operation Choke Point — but fraud prevention company Early Warning apparently didn’t get the memo.

American Express rules barring businesses from asking customers to use lower-cost credit cards violate U.S. antitrust law, a federal judge found.

Freddie Mac will return $900 million to the Treasury Department next month, bringing total payments to nearly $21 billion above what it received in federal aid after the 2008 credit crisis.

Two weeks after U.S. bank remittances to Somalia dried up, regulators and lawmakers are making only slow progress at preventing a potential humanitarian crisis.