law-regulation

CFPB Should Tread Cautiously on Payday Loans

03/23/16

The first protection a consumer needs is the assurance that any new reforms will not inadvertently drive all regulated credit from the market.

[more]

Onslaught of Mortgage Rules Is Worse than Many Realize

03/22/16

The sheer volume of regulations adds time and expense to closings without much benefit when consumersÂ' main interest is to get funds as quickly as possible.

[more]

Shadow Banks Are Not a Source of Systemic Risk

03/21/16

Some believe the capital markets need prudential regulation to product the system from danger, but here's why that is a false assumption.

[more]

You'll Never Get Real Oversight of the CFPB This Way

03/18/16

House Financial Services Committee members asked CFPB Director Richard Cordray tough questions this week Â-- but they let their own theatrics trump substance, using their time to berate the CFPB chief rather than engaging in substantive discussion.

[more]

Fewer Community Banks = More Risk in System

03/17/16

Consolidation is increasing risk to the Federal Deposit Insurance Corp. while reducing diversification in the industry.

[more]

Postal Banking Didn't Work in 1910 — and It Won't Now

03/17/16

Endorsements from lawmakers such as Bernie Sanders and Elizabeth Warren of the U.S. Postal Service providing banking services overlook how a similar plan faltered after the Panic of 1907.

[more]

Unregulated Shadow Banks Are a Ticking Time Bomb

03/15/16

Risk is building in nonbank companies that are closely linked with regulated institutions but that have not faced the kind of stiff rules imposed on banks since the financial crisis.

[more]

Too Many Bank Regulations Are Counterproductive

03/14/16

We are reminded frequently that policies with the best intentions often do not reach their intended recipients and at times lead to previously unforeseen issues.

[more]

Why Bank Stocks Are Getting Hammered

03/10/16

Not only are widening credit spreads for both banks and the companies they lend to a red flag, but the financial sector is also feeling a hit from lower energy prices.

[more]

Seven Traits of Effective Risk Management

03/10/16

A mature governance framework and risk culture that reaches all employees, are among the attributes of a high-functioning "risk organization."

[more]