Regulatory reform

The gulf between those at the upper ends of the wealth ladder and lower-income Americans has worsened markedly since the financial crisis, despite the trillions of subsidies that taxpayers provide for housing.

The National Credit Union Administration has laid out a detailed and comprehensive reform plan, with proposals ranging from minor procedural changes to more ambitious goals, like a firmer assertion of federal preemption over state laws.

As American workers age and continue to be disrupted by technology, the U.S. needs to create skills training, says Dallas Fed President Robert Kaplan.

The breadth and pace of change across banking and the rest of the business world is rapidly escalating, posing challenges for financial institutions and the economy alike, according to Robert Kaplan, the president of the Federal Reserve Bank of Dallas.

CUNA, NAFCU both focus on BSA compliance, loans to areas having special flood hazards.

Readers weigh in on a proposal to ease the leverage ratio, how post-crisis regulations have influenced lending, a CFPB overdraft fee study, and more.

Clearer criteria of what the Federal Reserve expects from directors will improve board oversight of banks, while also cutting down on misplaced demands on boards’ time and attention.

Dividend payments by Fannie Mae and Freddie Mac are due to come one day after the U.S. is estimated to hit the debt ceiling, raising the stakes in the debate over whether those payments should continue.

As banks press for deregulation, the debate over whether high bank capital standards are inhibiting loan growth has taken center stage.

The solution supported by the largest institutions and some officials to what banks say is a market liquidity problem would only make matters worse.

Credit risk transfers have emerged as more than just a method for mitigating taxpayer exposure. They could be a key component of comprehensive housing finance reform.

FHFA Director Mel Watt said Fannie Mae and Freddie Mac cannot use alternative credit models until other issues are resolved first.

A bipartisan duo of lawmakers is set Tuesday to introduce a bill designed to increase homeownership opportunities for “credit invisible” consumers.

Regardless of whether Congress could act, proponents don’t seem to fully appreciate the potential unintended consequences of a future without Fannie Mae and Freddie Mac.

Readers react to the CFPB’s final arbitration rule, a new potential hurdle for initial coin offerings, a housing finance reform proposal and more.

Regulators have near consensus that parts of the Volcker Rule need to change. But it's not clear whether the fixes being contemplated will have a big impact.

Financial regulation is too complex and needs to be retooled to improve access to credit, President Trump’s nominees to two top banking regulators told Capitol Hill on Thursday.

It is only a matter of time before bankers and policymakers realize that the concept keeping banks and non-financial entities apart no longer has any underlying support.

Regulators need a principles-based approach that seeks to position boards as watchtowers for their banks while not subjecting directors to overly burdensome restrictions.

Fed Vice Chair-nominee Randal Quarles will likely face questions about his support for small banks, while Comptroller-nominee Joseph Otting must face fallout from his predecessor.