BankThink

Capital One Deals Would Make It Too Big in Suprime

08/29/11

Until a recent outcry, the Fed was going to give Capital One's acquisition of HSBC's credit card businesses and ING's deposits a pass without even holding pro forma hearings.

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Why is VA's Mortgage Program Succeeding Where Others Fail?

08/26/11

One key reason is that the Department of Veteran Affairs is servicing the loans itself, instead of outsourcing it to others.

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Brian Moynihan, Here's What I'd Do if I Were You

08/25/11

Twenty years ago I engineered the sale of Security Pacific Bank, at the time the nation's fifth largest bank, to Bank of America. What has gone wrong since then?

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Living Wills Could Pit U.S. Stability Against Duty to Shareholders

08/25/11

The proposed regulation could raise a very significant issue for the directors of a covered company who, consistent with their fiduciary duties, may not elevate U.S. financial stability over the interests of their shareholders and creditors.

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Custodian Banks, Brace for Pension Client Revolt Over Overcharges

08/24/11

Global custodians have spent decades using bundled fees to mask egregious conflicts of interest and overcharge pension funds, and by extension the taxpayers and public servants who underwrite them.

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'Shared Delusions' Run Deep with Risks

08/24/11

Andrew Kahr's "Systemic Risk Is About Assets, Not Size" rightly focuses on bubble-inflating movements in the aggregate balance sheet of the financial sector. We should expand on three of his points.

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Low Rates Mean It's Time for Some Old-School Lending

08/23/11

Negative interest rates is a call to arms. Japan hesitated and sank into the "lost decade." The solution is inescapable: American banks must start lending.

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Downgrade Was a Statement on Stewardship, Not Capacity

08/23/11

The downgrade was a judgment on the stewardship, and not on the capacity of our federal government. That does not mean, however, that the downgrade is without consequence.

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Appraisal Management Companies Create More Problems Than They Solve

08/22/11

As an independent licensed mortgage lender I developed a thick Rolodex of appraisers with expertise in specific communities over the past 14 years. It is now worthless.

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Systemic Risk Is About Bad Assets, Not Size

08/21/11

Since U.S. legislators and regulators failed to learn how banks' shared delusions generate systemic risk, it's not surprising that European banking regulators also missed the point

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