law-regulation

Dodd-Frank's Risk 'Council' Is Just an Unfocused Bureaucracy

02/16/16

Lawmakers opted for broadening the focus and makeup of the Financial Stability Oversight Council, but a more focused systemic risk regulator would have had a better chance of success.

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The FHLB System Needs to Be Inclusive

02/11/16

The Federal Housing Finance Agency's decision to exclude captive insurance companies from Federal Home Loan Bank membership makes the FHLB system like a private country club.

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Banks Must Prepare Now for Prospect of Negative Rates

02/11/16

Other countries have already lowered interest rates below zero, and the financial stability concerns of such a policy taking shape in the U.S. should not be dismissed.

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Regulators Foster De-Risking More than They Admit

02/10/16

The pressure on banks to become less risky backfires when they respond by curtailing services that are vital in a functioning financial system.

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How Sanders' Bank Plan Would Kill Credit Availability for the Poor

02/09/16

Sen. Bernie Sanders' victory in New Hampshire will undoubtedly boost his campaign, but his plan to cap interest rates for credit card and other consumer loans at 15% won't help anyone in the short term and could potentially wreak havoc on low-income people in the long term. Here's how.

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Clock's Running Out to Fix 'Prompt Corrective Action'

02/09/16

Overhauling the S&L crisis-era method for intervening in struggling banks, which did not live up to expectations during the 2008 meltdown, should be a higher priority.

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FHFA Is Right: Captives Don't Belong in Home Loan Banks

02/09/16

The Federal Home Loan Bank System was designed to provide liquidity to community lenders and traditional insurers, not to unregulated lenders that circumvent the membership rules.

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GOP Win in November Is First Step to Killing Dodd-Frank

02/08/16

The election of a Republican president could be the first prerequisite to repealing the financial reform law, but banks still need to argue their case for why repeal is necessary.

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Why the 20-Year Mortgage Is the Answer to Housing Finance Mess

02/05/16

Housing policy focused on government guarantees and the 30-year mortgage hasn't done much to help low- and middle-income homeowners build wealth.

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Marketplace Lenders Have Duty to Report Credit Data

02/05/16

Despite their recent growth, too few marketplace lenders are reporting data to the consumer reporting agencies, which could negative repercussions on the financial system.

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