Law and regulation

The Office of the Comptroller of the Currency has named a new deputy comptroller in charge of leadership, executive and organizational development.

Banks, Wall Street critics and regulators are angling to define whether the leverage ratio should be a backstop or a binding constraint for the biggest banks – a debate that could be among the most urgent in the post-Obama regulatory landscape.

State regulators' resistance to the idea of a national fintech charter is not surprising, but state-by-state regulation imposes heavy burdens that reverse the cost savings and expanded reach available through fintech.

The Federal Deposit Insurance Corp.’s recent statements encouraging new bank applications are promising, but some barriers to new charters may remain inside the FDIC and we are still waiting for the first de novo of 2016.

Though no legislation is likely to pass prior to the election, lawmakers will be busy throughout September with hearings featuring top Federal Reserve Board officials and voting on a much anticipated financial reform bill. Here are five things to keep an eye on.

Regulatory infighting over bond loans offered by down payment assistance programs has the potential to curtail lending to first-time buyers and do real damage to homeownership.

New, stricter regulations on loans to active-duty service members take effect on Oct. 3. Here’s a guide for getting ready.

Fannie Mae and Freddie Mac can still manage their risk exposure even after reducing or eliminating "loan level price adjustment" fees.

Emboldened by supportive comments from presidential hopeful Hillary Clinton, community development banks are asking regulators for more leniency in areas such as disclosure fees and Bank Secrecy Act enforcement.

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 federal district court handed the Consumer Financial Protection Bureau a major victory this week by ruling that the online loan servicer CashCall engaged in unfair, deceptive and abusive practices by using a "tribal model" to collect on loans in states with usury caps.

Big banks have less than a month to fix their resolution plans – or potentially face severe regulatory consequences.

WASHINGTON — Kansas City Federal Reserve Board President Esther George and Richmond Fed President Jeffrey Lacker will testify before a House panel on Wednesday.

The Mortgage Bankers Association has long been a staunch defender of the mortgage interest deduction. But the group's president and CEO now says he's open to Congress reducing, or even eliminating, the tax break.

With even community banks getting hit by ransomware attacks, there's a long list of cybersecurity practices that bankers can expect their supervisors to scrutinize during upcoming exams.

The suggestion that any area has too many local institutions dismisses the importance of community banks and overlooks the dangerous effects of consolidation.

Approximately 37 million adults in the United States — a number roughly equivalent to the population of California — do not have a checking account. Some of those individuals have never relied on traditional banking.

The largest U.S. banks are starting to question whether the advanced approaches modeling program embedded in the Basel accords is still valuable in a world where their capital levels are increasingly dictated by the annual stress tests and a supplementary leverage ratio.

The National Association of Realtors is urging policymakers to implement reforms meant to qualify more condominium buyers for Federal Housing Administration loans.

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.