News Topic: regulation-reform

The banking industry must create sustainable mortgage products that will work for responsible families of modest means. We also need a proactive homeownership policy from the federal government. ... Read full article

The central bank is too big, too leveraged, extremely short-funded and a frequent creator through its interest rate and money-printing actions of gigantic systemic risk. ... Read full article

The bill would replace the misleading risk-based capital system with a straightforward way to determine the true health of an institution, in addition to providing incentives for the largest banks to downsize. ... Read full article

It’s important that models for stress-testing be capable of representing the nuances of the questions they are asked to answer. Insights would be lost if models are kept too simple. ... Read full article

Bankers truly face a Catch-22 in the lending business these days, thanks to "qualified mortgage" and disparate impact laws. ... Read full article

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

Banks, conflicted by moral hazard, will always fight for maximum FDIC coverage at the least possible cost, since the FDIC is ultimately backed by Other People’s Money. ... Read full article

The president of the Kansas City Fed responds to the ABA's James Chessen. ... Read full article

The Fed should ditch tailored versions of bank-centric rules for ones that build on current nonbank regulation and are informed by comments received in the pending rulemakings. ... Read full article

New reports from Fannie Mae and Freddie Mac show the value of a government guarantee on multifamily mortgages. ... Read full article

An analysis of FDIC data shows the leverage ratio did little to distinguish banks that have failed since 2008 from those that remained healthy. ... Read full article

It's difficult to identify the victims of money laundering, other than the bank shareholders that must expend millions of dollars for the proactive compliance required as the state's deputized enforcers. ... Read full article

The federal government is now even more involved in the design, pricing, allocation and servicing of home mortgage credit than during the subprime lending debacle. Current proposals that call for government involvement would further entrench this ... Read full article

Finding the right pay formula is a messy business. Leave it to shareholders and the market to sort out. ... Read full article

President Obama has nominated Penny Pritzker to head the Commerce Department, overlooking her role in the costly failure of Superior Bank. ... Read full article

The European trend to restrain CEO pay is gaining momentum in the U.S. It suggests the double-digit raises that American bank bosses have enjoyed the past few years may not last. ... Read full article

Unrealistic capital requirements and strict deadlines would force megabanks to sell assets, removing their value from the U.S. and global economies permanently. ... Read full article

A system where ratings are assigned to a nationally recognized statistical ratings organization by an independent public utility offers the best shot at avoiding another secondary mortgage market meltdown. ... Read full article