Regulatory reform

Brad Conner, the incoming chairman of the Consumer Bankers Association, says the government's record as a direct student lender leaves much to be desired.

American Banker's newly appointed editor-in-chief, Rob Blackwell, shares his take on the prospects for financial regulation reform this fall.

Neglecting to appoint a full-time director could shortchange efforts to improve the bureau’s transparency and undertake other needed reforms.

The need to raise the U.S. debt limit, pass a budget, provide relief for victims of Hurricane Harvey and enact flood insurance and tax reform will dominate the remaining legislative calendar this fall.

Amendments mean parity with federal law, other changes allowing efficient CU operations.

Lenders will not have to report data on open-ended home equity lines of credit in 2018 or 2019 if they originated fewer than 500 HELOCs the preceding year, the bureau said.

The idea that the trading ban burdens community banks and prevents them from investing in fintech opportunities is misleading.

As the Federal Reserve retools its supervisory approach to bank boards, some critics fear the changes may go too far.

The National Association of Federally-Insured Credit Unions defended the credit union tax exemption and called for other financial reforms during a meeting Tuesday with Treasury Secretary Steven Mnuchin.

Post-election euphoria tamped down M&A talk as bankers were hopeful that reform would justify staying independent. But there are signs bankers are getting restless.

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.