Law and 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 our social media platforms.

A regulatory 2017 scorecard for Fannie Mae and Freddie Mac calls on the firms to transfer a significant portion of credit risk to third-party private investors on at least 90% of unpaid principal balance of newly acquired single-family mortgages.

With the completion of the final total loss absorbing capacity and bank regulators' decision this week to approve the living wills of all but one of the large banks, industry representatives are claiming victory in the battle to prevent future government bailouts. But some critics aren't so certain.

Prudential Financial said the relationship with Wells Fargo that led to a whistle-blower lawsuit and state probes over suspected sales abuses generated a tiny fraction of the life insurer's revenue.

It is not a clear-cut statement to say Fannie Mae and Freddie Mac need more capital, and it detracts from the real debate over long-term housing finance reform.

The question of how and why Wells Fargo failed its living will test is an issue the bank needs to address soon as it faces another deadline to fix problems identified by regulators.

Popular Inc. in San Juan, Puerto Rico, will absorb another hit to its earnings tied to a dispute with the Federal Deposit Insurance Corp.

The Federal Reserve released the final version of its total loss absorbing capacity rule – one of the final elements of the post-crisis regulatory framework meant to provide a means of recapitalizing a failed megabank.

The National Credit Union Administration rule expanding member business lending introduces new risks and lacks legal basis.

WASHINGTON — Senate lawmakers are putting pressure on the Treasury Department's financial crimes unit to clarify to banks that businesses hired by marijuana growers and dispensers should not be treated like pot firms themselves.