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.

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

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 or the prelude to another round of pain.

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

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.