Capital requirements

The National Credit Union Administration board voted to decrease the normal operating level for the share insurance fund in addition to prioritizing alternative capital as part of its regulatory reform.

The legislation follows passage of a similar bill in the House and would push back implementation of NCUA’s risk-based capital rule to 2021.

The Financial Accounting Standards Board is requiring all companies to record leases for property and equipment on their balance sheets. Here’s how that revision could affect banks’ loan decisions — and their own capital ratios.

The senior central bank official signaled interest in deploying the countercyclical capital tool for the first time as corporate bond risks build.

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

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.

The agency’s flawed methodology for determining interest rate caps on certain accounts poses risks for banks offering free, low-deposit checking and the financial system more broadly.

The banking agencies have proposed weakening several liquidity, capital and stress test requirements without considering the cumulative effect of the many changes being undertaken.

The revised blueprint by Moelis & Co. LLC incorporates a pending regulatory capital plan for the mortgage giants.

“We have actually discouraged banks from innovating,” FDIC Chairman Jelena McWilliams said in announcing a move that other agencies have made.

The largest U.S. bank's strong third quarter did not insulate its leaders from being pressed about the downside of pricey investments in technology, whether capital rules make commercial lending growth hard for big banks to achieve, and whether another economic downturn is edging closer.

A proposal to ease the leverage ratio for the country’s largest institutions raises questions about whether safety and soundness remain the top priority for the banking agencies.

Financial regulators sought to walk a fine line Tuesday between reassuring Republican senators that they are quickly implementing regulatory relief and defending themselves against Democratic criticism that they are going too fast.

The central bank is mulling measures to broaden the number of banks receiving reg relief; Lisa Stevens was a top deputy to the former retail chief during the phony accounts scandal.

The banking agencies are right to review capital requirements for banks of all sizes to ensure the rules are efficient and clear.

Another regulator has already gone out on its own with an advance notice of proposed rulemaking. But, Powell said, "It’s a process and we’re very much interested in pushing forward.”

Whereas most regulators appointed in the Trump administration are focused on rolling back the post-crisis framework, Nellie Liang helped create it.

Policymakers have begun taking positive steps to update and improve existing regulations, though there’s still a lot more work to be done.

Credit union advocates shattered records with the number of comment letters they sent the regulator when its original risk-based capital proposal was issued, but a revision proposed last month garnered just 37 responses.

Ten years after the financial crisis, banks need to radically overhaul how their businesses operate.