The Federal Reserve was comfortable as a behind-the-scenes regulator, but itÂ's now expected to be a public enforcer as well. Asking the agency to balance these contradictory roles is a recipe for trouble. ... Read full article
Banks and regulators aren't the best judges of what constitutes a clear and transparent disclosure form. The CFPB could fix the problem by holding a contest that asks professional designers to create models that convey important information in a way ... Read full article
New York Fed President William Dudley insisted Friday that regulators are more like "fire wardens" than "cops on the beat." It's an analogy that says far more than Dudley likely intended Â-- and a comment he will likely regret. ... Read full article
A recap of the informed opinions (and the discussions they generated) on BankThink this week. ... Read full article
Why are banks missing the early warning signs associated with employee misconduct? ... Read full article
The overly complex Dodd-Frank Act came about because policymakers failed to tie regulation and regulatory structure together effectively. The next step in financial reform should be to simplify Â-- and perhaps consolidate Â-- regulatory processes. ... Read full article
Banks need risk managers with a "show me the money" mindset Â-- that is, people who know how to use income statements and balance sheets to sniff out risky business activities. ... Read full article
As digital currencies become increasingly popular in Latin American countries, partnerships between banks and Bitcoin exchanges can help expedite cross-border transfers. ... Read full article
A number of Dodd-Frank and Basel III regulations will impact banks' investments in the CLO market, but the Volcker Rule poses unique challenges. ... Read full article
A number of banks have cut ties with business lines that are seen as high-risk in an effort to dodge the threat of enforcement actions. The result is stunted job creation and innovation, not to mention customers who are denied much-needed services. ... Read full article
Quantitative easing hasn't led to severe price inflation as critics feared Â-- but the large quantity of Treasury debt might. ... Read full article
A recap of the informed opinions (and the discussions they generated) on BankThink this week. ... Read full article
Republicans are unlikely to push the ball forward on reform of the federal housing agencies, but Congress has a number of other opportunities to make changes that will encourage mortgage lending. ... Read full article
