BankThink

Morning Scan: Five Banks Reach $3.3B Forex Deal; Is Lawsky Eying the Exit?

11/12/14

Receiving Wide Coverage ... First Forex Deal Reached: Five banks have agreed to shell out a total of $3.3 billion to U.S., British and Swiss authorities to settle charges that they tried to manipulated the foreign exchange market. The banks included in the settlement were Citigroup, JPMorgan Chase, HSBC, Royal Bank of Scotland and UBS; Barclays had been in talks with regulators but got cold feet as the announcement neared, the New York Times reports. TheÂ...

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Creating a 'Win-Win' in M&A, Part I: BB&T Alum John Allison's Logic for Deals

11/11/14

BB&T completed more than 100 acquisitions under now-retired Chief Executive John A. Allison. In an excerpt from his latest book, Allison discusses his reasoning for M&A, while providing a blueprint for scouting targets. This is part 1 of 5.

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Bringing Nuance Back to Regulatory Debates

11/11/14

Most investors don't see regulation in black-and-white terms. The rest of the financial industry should follow their lead.

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Good Election News for Supporters of Green Banks

11/11/14

Connecticut and New York are the only states to have established institutions specifically called green banks to stimulate lending on clean energy projects, but others could soon join them following the election of green bank-friendly governors in nine states.

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Morning Scan: Postal Service Hacked; CFTC to Join in Forex Settlements

11/11/14

Receiving Wide Coverage ...

Second Takes on FSB Rules: The Financial Stability Board's newly proposed capital requirements for the world's largest banks may make banks safer, but they won't end the debate over too big to fail, according to the Wall Street Journal. Analysts estimate big U.S. banks would have to issue billions of dollars in new long-term debt in order to meet the FSB requirements and predict banks will "face a modest earnings headwind" on...

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Is HUD's Disparate Impact Rule Unconstitutionally Vague?

11/10/14

The Supreme Court has agreed to consider a case related to the use of disparate impact theory to charge organizations with discrimination under the Fair Housing Act. The case highlights a key problem with current interpretation of the statute: it ignores a basic statistical pattern that makes it hard to determine which practices would produce a better outcome for protected groups.

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How Banks Can Find Opportunity in a Flood of Regulations

11/10/14

Well-managed banks have the opportunity to issue shares and strengthen their capital base before new requirements take effect and the markets adjust to a low-risk environment.

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Morning Scan: FSB Proposes Capital Rules; AG Pick Has History with Big Banks

11/10/14

Receiving Wide Coverage ...

Beating Back Bailouts: The Financial Stability Board has taken a fresh stab at ending too big to fail with a newly proposed set of rules for the world's largest banks. Banks would be obliged to hold capital equal to 16-20% of their risk-weighted assets and to meet a capital leverage ratio twice the size of the Basel III requirement under the proposal. The New York Times notes the rules would have a...

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Weekly Wrap: Merging the GSEs; Does Choke Point Hurt the Unbanked?

11/07/14

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

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Why Community Lenders Should Go Negative on Big Banks

11/07/14

Disaffected big bank customers are looking for a reason to switch. Community banks and credit unions should take advantage of this opportunity with a collective ad campaign that positions their institutions as friendly, helpful and morally upright alternatives to major lenders.

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