News Topic: law-regulation

The Federal Deposit Insurance Corp.Â's recent statements encouraging new bank applications are promising, but some barriers to new charters may remain inside the FDIC and we are still waiting for the first de novo of 2016. ... Read full article

Regulatory infighting over bond loans offered by down payment assistance programs has the potential to curtail lending to first-time buyers and do real damage to homeownership. ... Read full article

Fannie Mae and Freddie Mac can still manage their risk exposure even after reducing or eliminating "loan level price adjustment" fees. ... Read full article

Industry fears about the Consumer Financial Protection Bureau's "UDAAP" authority recall steps Congress took in the '70s to rein in the Federal Trade Commission. ... Read full article

Banks and regulators both deserve credit for how they have navigated the post-crisis period, but how regulators continue to implement rules Â-- and how banks continue to deal with this environment Â-- will determine if this is a turning point for finance ... Read full article

The endorsement of Glass-Steagall in the recent party convention platforms reaffirmed the powerful hold that the principle of separating commercial and investment banking has on the public imagination. ... Read full article

Discussions around reinstating the Depression-era law are headline-grabbing, but Glass-Steagall has no merit in our current financial environment. ... Read full article

Despite headwinds working against the mortgage insurance industry, this business could be the catalyst for bringing private capital back to the mortgage market. ... Read full article

Possible bad outcomes from the slowdown in bank chartering include less financial access in rural areas and further concentration of industry assets in just a few large banks. ... Read full article

With supervisory pressures continuing to mount, a piecemeal approach to handling banksÂ' regulatory demands is costly and ineffective. ... Read full article

At best, the proposal to restore Glass-Steagall is outreach to Bernie Sanders supporters. But at worst, it suggests the GOP candidate isn't as anti-regulation as he claims to be. ... Read full article

The emergence of lenders that have no real connection to a geographic area prompts questions over how the Community Reinvestment Act's "good neighbor" policy can continue. ... Read full article

The solution to "too big to fail" is requiring all creditors, other than insured depositors, to face the risk of loss so that neither the FDIC nor taxpayers lose any money. ... Read full article

Those wanting to break up banks act as though policymakers had no regulatory response to the crisis, but hereÂ's an illustration of how actual reforms would have prevented a large failure. ... Read full article

Banks should assess a customer's full financial picture before deciding to sell a debt to a third-party collection agent. ... Read full article

Returning Fannie Mae and Freddie Mac to their status as privately owned public utilities is consistent with their mandate and makes the most policy sense. ... Read full article

The Consumer Financial Protection Bureau's plan to rein in payday and other lenders has some noticeable benefits for consumers, but much of the proposal should be revised. ... Read full article

The Office of the Comptroller of the Currency's recent guidance on internal messaging software could impose significant hardships on banks and runs contrary to prevailing guidance on cybersecurity. ... Read full article