Banks with less than $10 billion in assets are exempt from clearing and exchange trading requirements, but as derivative users they will have to post margin, keep records and amend documents.
Don't focus solely on cost savings. Instead, articulate that you're willing to look at new ideas and projects to help improve margins. This will inspire managers to tap into a fresh wave of thinking.
Under new international rules, mutual banks in the U.S. will need a way to issue marketable securities to raise capital. Core capital deferred shares, a U.K. innovation, offer a model.
Large banks homogenize their approach to small and midsize companies. That's more efficient for those banks, not necessarily good for the economy. Small and medium-sized banks are better at lending to the firms that create most jobs.
The FDIC can invest in the equity of teetering but salvageable banks. This would save money for the taxpayers, preserve banks that are worth preserving - and send a clear message about the future of community banking.
Retail credit unions can improve their net worth only through retained earnings. That's made a stressful period for all financial institutions particularly challenging for this category. Let them raise capital.
Community banks should exploit their advantages based on convenience, personal service, local decision making and a relationship model reliant on deep customer knowledge.
