law-regulation

Will the Election Really Change All that Much for Banks?

11/02/16

A lot of analytical horsepower is being spent on what will happen to the markets after the election, but it seems to make more sense to talk about what will not change for consumers, investors and financial institutions.

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Accepting What You Don't Know Is Crucial to Detecting Risk

10/19/16

A strong and dynamic risk detection system requires focusing on the most important blind spots not satisfactorily explained by existing tools, rather than focusing on the "answers" produced by those tools.

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Consumers Need Protection from the CFPB

10/18/16

Recent moves by the Consumer Financial Protection Bureau, including a plan to regulate payday lending, take away what limited credit options consumers have.

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Enough Already. Money-Market Funds Aren't Shadow Banks

10/17/16

As a result of the SEC's latest reforms, today's money-market funds are very different products than their precrisis predecessors. Calls for additional layers of burdensome regulation over this industry are unwarranted.

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Community Banks to Elizabeth Warren: We Need Your Help

10/14/16

Warren's voice is powerful in criticizing big banks, but she could play a more active role in providing relief to community banks to help boost job creation.

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OCC Deserves More Scrutiny in Wake of Wells Fraud

10/13/16

Without investigations by the Los Angeles Times and city prosecutors, the Wells Fargo account scandal would never have come to light. Where were federal regulators?

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Why CFPB's Prepaid Card Rule Is a Huge Mistake

10/07/16

The Consumer Financial Protection BureauÂ's new regulation governing prepaid cards will disrupt consumer practices, drive up costs and wreak havoc on a fast-growing sector within the payments industry.

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Housing Finance Needs Clean Break from Government Subsidy

10/07/16

Current proposals about what to do with Fannie Mae and Freddie Mac that still focus on a government-backed solution are misdirected.

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Regulators Need to Walk the Walk in Supporting Whistleblowers

10/06/16

If Wells Fargo employees were fired for trying to stop the bankÂ's improper account practices, as has been claimed in court, it shines a spotlight on the need for more whistleblower assistance.

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OCC Hasn't Issued Wells Fargo's CRA Score in Eight Years

10/04/16

The bank's fake account scandal is further reason to make the results of Wells' 2012 Community Reinvestment Act exam public.

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