News Topic: law-regulation

In addition to credit risk from leveraged loans and other types of assets, an added worry for participations is how they would be treated in a failure of the originating bank. ... Read full article

Recent legislative proposals to make piecemeal changes to the government-sponsored enterprises could set broader GSE reform on the wrong path. ... Read full article

The debate over speeding up payments transactions should consider the necessity of allowing consumers time to rethink and abort their purchases. ... Read full article

Everyone agrees that electronic transactions should be as safe as possible, but a PIN mandate will not prevent online or mobile fraud. ... Read full article

In guidance on banks' resolution plans, regulators effectively have made important policy decisions about liquidity transformation that were not subject to notice and comment. ... Read full article

The nascent industry's early success will mean very little if these new companies don't take necessary steps to position themselves for the long term. ... Read full article

Banks and nonbanks should accept that more fintech regulation is inevitable, but how far regulators go will depend in part on how well companies demonstrate they are managing risk. ... Read full article

Regulators have abused their role of implementing law to actually make financial policy, usurping the role of Congress in a tripartite system. ... Read full article

Requiring banks to improve records on which depositors are insured overlooks how the Federal Deposit Insurance Corp. resolves failures. ... Read full article

Requiring the bank regulators to disclose the numerical grades they give for capital, assets and other factors would subject them to the same market discipline they demand for banks. ... Read full article

Favorable treatment under upcoming Consumer Financial Protection Bureau rules has led banks to signal interest in small-dollar loans. But if they can serve the market profitably, why aren't they already doing it? ... Read full article

The pervasiveness of consumers' credit problems highlights why the Consumer Financial Protection Bureau's upcoming short-term lending rules should avoid unintended consequences. ... Read full article

Ideas on the table for ending the too-big-to-fail problem won't work, so the only solution is a "leverage" ratio and continuous exams to ensure big banks never get in trouble in the first place. ... Read full article

It is imperative for regulators and lawmakers to approach the online small business loan market with care and an understanding of how these lenders expand access to credit. ... Read full article

The Federal Reserve deserves praise for a proposal that would strengthen financial stability by eliminating the rights of counterparties to tear up derivatives contracts in a failure. ... Read full article

Nearly a quarter-century before his wife was on the verge of winning a presidential nomination, then-Democratic candidate Bill Clinton was seen as supporting "true nationwide banking," though some worried he would also expand the Community ... Read full article

Requirements that banks share anti-money-laundering information should extend to fraud and cyber risks, to connect the dots between bad actors and their transfer of money. ... Read full article

With agencies created by the Dodd-Frank Act embroiled in court battles and continued questions dealing with "too big to fail," can anyone honestly say the reform law is working? ... Read full article