TBTF

Elizabeth Warren, Sheila Bair and other regulatory hawks at a D.C. event hailed the reforms enacted in the wake of the 2008 crisis.

Almost 10 years after the financial crisis, Wall Street was starting to wonder aloud: Might Goldman Sachs or Morgan Stanley make a big acquisition? Much of that speculation got a reality check on June 28 when both firms scraped through the Federal Reserve's annual stress tests.

Banks may be disguising their borrowings in a way similar to that used by Lehman Brothers, with debt ratios falling within limits imposed by regulators just four times a year.

U.S. officials are letting big banks exploit loopholes in Dodd-Frank rules that were meant to curb excessive risk-taking in derivatives, several academics and former policymakers warned. They urged state attorneys general to take action.

Largest banks would be limited on how much risk they could have with each other; the credit bureau has hired the former head of the computer giant's Watson unit.

Though the regulatory relief law easing the Dodd-Frank Act does little to help the biggest banks, it is still fueling progressive Democrats' anger at Wall Street. That will matter when Democrats eventually retake power.

Readers react to the Senate overriding the Consumer Financial Protection Bureau's auto lending guidance, weigh in on House efforts to reform the Dodd-Frank Act and debate technology being used to replace new branches.

The rules to comply with the Community Reinvestment Act have become "formulaic and ossified" and must be changed to encourage lending practices the law originally intended to foster, the Fed's top regulator said.

The reserve bank's proposal to address banks and nonbanks that remain "too big to fail" does not include two of the largest such institutions: Fannie Mae and Freddie Mac.

Sen. Elizabeth Warren, D-Mass., introduced a bill to create a permanent law enforcement unit to investigate criminal activity at large banks, just as the Senate was close to passing a regulatory relief package.