News Topic: regulation-reform

A law intended to make the National Flood Insurance Program sustainable could force many owners out of their homes and hurt the housing recovery. ... Read full article

A lesson for Congress in liquidity risk and market contagion. ... Read full article

Proposals for a supplemental leverage ratio would treat cash, and the safest cash-like assets, like any risky asset. This may discourage banks from keeping their current high levels of liquidity. ... Read full article

With the CFTC on hiatus during the government shutdown, the industry should take the opportunity to consider the potential damage for a market that has become integral to banking. ... Read full article

Janet Yellen shouldn't have needed anyone’s help to be nominated to lead the Fed. Her tortuous path underscores the importance of rallying around qualified women candidates for industry leadership positions. ... Read full article

The distinguished economist will have to make monetary policy a priority during her tenure as Fed chair. But Yellen won’t forget about her financial regulatory role and is likely to support stricter capital requirements along with enhanced nonbank ... Read full article

Placing the Federal Housing Administration inside the proposed Federal Mortgage Insurance Corporation would provide singular oversight for balancing the post-GSE mortgage market and a fully federal guaranteed market for specified market segments. ... Read full article

If history bears any indication of where this fight will wind up, New York’s top bank regulator, Benjamin Lawsky, could be headed for a long, slow, expensive defeat. ... Read full article

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

The Debit Interchange Fee Study Act called for a six-month regulatory study on the cost of the rules and their impact on consumers. There are good reasons to revisit that approach now. ... Read full article

The Dodd-Frank stress testing requirements for midsize banks add to their already considerable compliance burden, with questionable payback in terms of better risk management, at least in the near term. ... Read full article

In a little-noticed agreement with Wells Fargo, the Office of Foreign Assets Control raised the bar on acceptable checking practices and potentially exposed many other financial institutions to penalties. ... Read full article

Editor-at-Large Barbara A. Rehm has argued for months that Dodd-Frank implementation should be sped up so banks can know the rules they face. A slew of sources disagree – here’s why. ... Read full article

Regulators and financial firms must listen to each other and work together to protect the interests of customers and stakeholders. Only then, will they be able to build a safe and sound financial system. ... Read full article

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

When it comes to financing the average middle-class American, our government-backed mortgage entities will accept nothing but the most pristine standards. Except when it comes to the millions of home loans for which the feds want lenders to toss standards ... Read full article

For each step toward Wall Street reform, the government has taken at least a half-step back. And there are signs another Gilded Age may be upon us. ... Read full article

The GAO should focus on the gross benefit of being "too big to fail", not the benefit net of fines, penalties and regulatory burdens. ... Read full article