law-regulation

Small-business lending will be crucial to the future of the American economy. But community banks' ability to make loans to friends and neighbors they know depends in part on a supportive regulatory environment.

Tiered regulation could bring about a number of useful changes for regional banks, including a more customized approach to determining capital adequacy and simplified resolution planning requirements.

Banks have spent a lot of money in order to comply with stress-test requirements. But they will only realize the value on their investments if they integrate stress-test tools and results into their daily decision-making process.

The Financial Stability BoardÂ's proposed capital and long-term debt requirements would only go part of the way toward ending the risk of government bailouts. If regulators really want to get rid of too big to fail, they need to deal with over-the-counter derivatives market.

Big banks are making critical risk management decisions with data that is old, incomplete or even inaccurate. This endangers the safety of the global financial system in more ways than one.