Risk-based capital

In a year where most of the 18 institutions taking the second round of the Federal Reserve's stress tests showed improvements over last year, JPMorgan Chase and Capital One were both forced to adjust their capital plans in order to meet the central bank's minimum thresholds.

The Ohio Democrat praised Todd Harper, one of the regulator's newest board members, for his attempt to shift the agency's focus toward issues such as concentration risk.

The NCUA proposed Thursday to put off until 2022 implementation of a rule that would require larger credit unions to hold more risk-based capital.

The National Credit Union Administration's controversial risk-based capital proposal could see further delays or changes as thousands of industry professionals head to CU conferences across the country.

Policymakers should continue to simplify requirements, so that banks and regulators alike can focus on the most important measures of stability.

The central bank is limiting the use of its qualitative objection in this year’s stress tests, the agency announced Wednesday.

It’s possible the G-SIB surcharge, an additional capital charge on large banks, contributed to market volatility at the end of last year, argues Sen. Thom Tillis.

Readers respond to one fintech startup's tough talk, debate failed plans to change the Consumer Financial Protection Bureau's name, weigh reforms to the Community Reinvestment Act and more.

The move is sure to draw criticism from bankers because it would allow credit unions to compete for backing from private investors.

The move is sure to draw criticism from bankers because it would allow credit unions to compete for backing from private investors.

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.

Credit unions won't have to comply with the controversial rule until at least 2020, but a forthcoming proposal on alternative capital could raise the ire of banking groups.

The worldwide week-long celebration of credit unions will include two NCUA board meetings focused on issues that have impacted the last five years and could set the stage for the remainder of the decade.

Currently running for a fourth term in Congress, former credit union employee Denny Heck is a vocal proponent of changes to NCUA's risk-based capital rule and other industry priorities.

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

Heading into the mid-terms, credit unions must remain focused on how to move forward these four key legislative and regulatory initiatives.

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.

The former head of the agency said the proposed changes to the enhanced supplementary leverage ratio will make banks vulnerable to disruption and failure.

The regulator’s move comes as Congress is considering legislation that would offer credit unions an even lengthier delay.

It’s anyone’s guess when the National Credit Union Administration’s controversial risk-based capital rule will take effect.