BankThink

CEOs' Meeting with Tarullo is Big Banks' Version of May Day

05/02/12

The Fed's counterparty limit is not so much a banking rule as an indirect antitrust rule. It will create opportunities for smaller institutions to compete. That's the real reason terrified big-bank CEOs are meeting with Fed Governor Tarullo.

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Will 'Say on Pay' Votes Prompt Firms to Listen?

05/01/12

Is the tide shifting in favor of giving shareholders a greater voice in the critical arena of executive compensation, and will this extend to other areas of corporate management?

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Mortgage Warehouse Lending Is Safer Than Many Bankers Think

05/01/12

Don't think of this business as residential lending. It's really a low-risk form of asset-based lending.

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Can You Explain Your Incentive Pay Plan to Your Staff?

05/01/12

You would think that the periods in which folks may be getting a little more money in their paychecks would be times of smiles and high-fives. That's too often not the case.

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Breaking Up Big Banks Would Weaken the U.S.

04/30/12

Dodd-Frank went a long way toward ending too-big-to-fail. Since large, diversified financial institutions provide significant economic value to clients, the likely effect of arbitrary and preemptive break-ups would be to concede global financial leadership to other jurisdictions.

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Protect Consumers from Other Consumers

04/30/12

Any lending incurs losses, but if regulators did their job then the transfer of wealth from payers to deadbeats would be way smaller.

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Future of Consumer Lending Belongs to PhDs, Risk-Takers

04/30/12

Making more bad loans is the tuition price for learning how to build and train new underwriting algorithms.

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Occupy's May Day Is an Opportunity for Small Banks

04/30/12

There's a sizable, growing community of people who'd be receptive to the notion that you can get needed services without having to support the companies that have inflicted so much damage on the economy and the country.

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Final QM Rule Should Include Strong Protection from Lawsuits

04/27/12

The QM rule must include a safe harbor that affords lenders real protections when making the types of loans that government policy clearly seeks to encourage.

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The Economy Needs a Big-Bank Break-Up

04/27/12

There's a potential economic payoff from the growth that would come from breaking up the big trillion dollar banks.

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