law-regulation

We Shouldn't Be Relying on Hackers to Stop Terrorism Financing

01/23/15

Hacker groups like Anonymous have announced plans to target banks that are helping to finance ISIS and other terrorist organizations. But it is governments, banks and regulators that need to work harder at rooting out the sources of ISIS's funding.

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Government Looks to Stay Put in Mortgage Market

01/21/15

The federal government's recent decisions to lower annual premiums for new borrowers and reduce down payment requirements suggest it has little interest in making room for private capital in the mortgage market.

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Weekly Wrap: Never Send a Machine to Do Loan Officer's Job

01/16/15

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

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Clearing the Road for GSE Reform

01/16/15

Total overhaul of Fannie Mae and Freddie Mac is a long shot, but Congress can pass measures that set the housing agencies on a path to reform. Mandating deeper mortgage insurance coverage for loans sold to the housing agencies would be a good place to start.

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A New Congress, a New Chance to Rein In the CFPB

01/13/15

The CFPB should receive its funding from Congress rather than the Federal Reserve in order to increase its accountability. Lawmakers should also take steps to limit the power accorded to the agency's director.

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Weekly Wrap: Are Easing Credit Standards a Race to the Bottom?

01/09/15

A recap of the informed opinions (and the discussions they generated) on BankThink this week.

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The Biggest Risk Management Lessons from 2014

01/05/15

Last year regulators tightened their grip on Wall Street, while banks were caught off guard by emerging cybersecurity and reputational risks.

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Banking's Tragedy of the Commons

01/05/15

A number of bankers and regulators are concerned about declining credit standards. The problem is realÂ-- and it is also endemic to credit markets.

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Playing Defense Against Restitution Orders

12/31/14

Regulators' power to order restitutions is meant to be limited, but some courts are taking a broad interpretation of a key statute.

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Janet Yellen and Me

12/23/14

In a meeting with Fed chair Janet Yellen, one community banker emphasized the need for a tiered approach to regulation and enforcement.

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