BankThink

Fear Itself Is the Problem Holding Back Job Creation

09/09/11

The administration has failed to understand the psychology of job creation. Small businesses and community banks have lost confidence in their economic future and are unwilling to invest capital.

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Financial Reform Needs Additional Repair

09/09/11

While well intended, Dodd-Frank only tinkers with our supervisory and regulatory structure rather than making the hard but needed changes.

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No More Megabanks: 19 Is Enough

09/09/11

Regulators should not allow any more bank mergers if the resulting entity would exceed $100 billion in assets. The return is just not worth the risk.

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Outsourcing Comes Back to Bite Banks

09/09/11

When you outsource, your control is weakened. Vendors may not believe that their revenues depend much on whether your customers get more value - or even a fair deal.

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A Mortgage Banker's Memories of Sept. 11

09/08/11

That morning I was sitting on the early train, watching the sunrise over the ocean, headed to Newark to attend a Fannie Mae lending conference.

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Bank Stocks Have Fallen and Can't Get Up

09/08/11

August was a difficult month for bank stocks. The situation reflects a crisis of strategy. Most banks have not addressed their fundamental cost-structure imbalance.

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Speculators, Not CRA, Behind Foreclosures in Black Neighborhoods

09/07/11

Outside investors living in other, predominantly white neighborhoods, not local homeowners, account for the foreclosures in our nation's black communities.

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Step Aside, Washington - Let Banks Get Back to Business

09/07/11

President Obama should acknowledge that something is seriously wrong with the government's response to the financial crisis of 2008 and chart a new course.

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The Freddie Mac Gnomes Didn't Know?

09/06/11

It is hard to believe from what's been disclosed in the subprime aftermath that Fannie and Freddie executives didn't know a lot more about the risks than the FHFA court filings indicate.

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'Procedures Matter' in Foreclosure; Do Outcomes Matter More?

09/06/11

Is it worth delaying a bottoming-out of the housing market, and allowing some delinquent borrowers to freeload for a time, in order to prevent the rare but documented instances of someone being wrongly foreclosed on?

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