law-regulation

DOJ Must Prove Commitment to Ending 'Too Big to Jail'

09/15/15

Criminal charges don't scare big banks anymore. Perhaps the Justice Department's fresh commitment to threatening top executives with prosecution will keep them in line.

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Don't Bank Too Much on a Fed Rate Hike

09/14/15

Even if the Federal Reserve decides to begin raising rates this September, banks are unlikely to get the boost they've been hoping for. That's because pent-up customer demand for attractive yields may force banks to raise deposit rates more quickly than they have projected.

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Regulating BB&T Is Too Big a Job for the FDIC

09/14/15

The North Carolina-based BB&T is far larger than any other bank regulated by the FDIC. It should be under the supervision of an agency with more experience overseeing large banks.

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Is Big Data a Magnet for Disparate Impact Disputes? Weekly Wrap

09/11/15

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including banks' subpar shareholder value and how big-data advocates can better communicate with critics who worry about the technology's potential discriminatory effects.

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FDIC Policy Change Would Reduce Credit Access for the Poor

09/11/15

The FDIC has proposed a plan that would increase premiums for banks that use reciprocal depositsÂ--a tool that community development financial institutions rely upon to meet credit demand in low-income communities.

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How to Wean the Housing Market Off Taxpayer Support

09/09/15

The key to housing finance reform is a new securitization model that allows the private sector to price and absorb the majority of housing credit risk.

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Five Things Bank Boards Can Do to Create Healthy Cultures

09/08/15

Regulators are insisting that bank boards take responsibility for corporate culture. That's no cause for alarm, so long as directors are prepared to take ownership of the issue.

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Can Better Bank Data End Racial Disparities? Weekly Wrap

09/04/15

A recap of the informed opinions (and the discussions they generated) on BankThink this week, including demands for more transparency on banks' small-business lending and why the average American should care about the GSE investors lawsuit.

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Fannie-Freddie Lawsuit Should Matter to the Masses

09/04/15

Every consumer with a 401(k), retirement account or brokerage account ought to care about whether the government has the right to unilaterally amend a companyÂ's operating agreement.

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Bank Data on Diversity Can Help Close Racial Wealth Gap

09/02/15

Minorities receive surprisingly few small-business loans, high-level employment promotions and business contract opportunities. The federal government can help remedy the situation by collected detailed data on these matters from financial institutions.

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