Regulation

American Banker's 4th annual conference on the regulatory climate featured sharp warnings on the need for cybersecurity, diverse opinions on issues from Operation Choke Point to the utility of anti-money laundering procedures, and signs of optimism about the industry’s future. Here are six themes that emerged during the event.

A high percentage of Federal Housing Administration-insured loans are falling into the "higher priced" bucket due to a series of mortgage insurance hikes over the past several years.

In the coming months, banks, mortgage lenders, consumer advocates and policy wonks will be slicing and dicing the latest Home Mortgage Disclosure Act data, as they do every year. Rarely, if ever, have the stakes been higher.

A program that moves distressed mortgages out of the foreclosure pipeline can save the FHA and GSEs money and give troubled borrowers a better shot at staying in their homes — but only if it's properly implemented.

WASHINGTON — The Consumer Financial Protection Bureau has agreed to ramp up its security policies on data collection in response to a recent Government Accountability Office report that raised nearly a dozen recommendations on the topic.

In a speech Tuesday, U.S. Bank Chief Executive Officer Richard Davis also offered mostly upbeat views about the evolving, more stringent expectations of bank regulators.

Esther George, president of the Kansas City Fed, highlighted the shortcomings of banking regulation, especially as applied to community banks, and said the "pendulum has swung too far" on consumer protection.

RentTrack and TransUnion have partnered to ensure renters "get the credit they deserve for on-time monthly payments."

Financial Crimes Enforcement Network Director Jennifer Shasky Calvery pushed back again Tuesday against the idea that reports filed by bankers are not used by law enforcement officials.

Rep. John Delaney said Tuesday that he's "optimistic" Congress could take up reform of Fannie Mae and Freddie Mac next term, despite the political difficulties lawmakers have faced in getting legislation approved over the past two years.