News Topic: regulation-reform

Analyses only consider borrowers who were offered a loan package they were willing to accept. Applicants denied a loan and applicants who turned down loans are not considered at all. ... Read full article

Banks' ability to provide crucial services in support of economic growth reflect their risk-bearing capacity, which is directly related to market valuations of bank franchises. ... Read full article

The introduction of more private, risk-bearing capital to housing finance should expand homeownership possibilities. ... Read full article

Fixating on whether to break up the biggest banks puts policymakers at risk of re-fighting the last war while giving short shrift to the emerging risks that imperil the financial system. ... Read full article

The policies of the last four years and those currently being considered are - as David Stockman argues in his new book - universally anti-growth. ... Read full article

Their only concern is that regulatory burdens remain high enough to prohibit competition, but low enough to protect revenues and profits. ... Read full article

Taking on the size of firms that put our financial system at risk is the only way to eliminate unfair competitive advantages, unleash free markets and allow community banks to thrive. ... Read full article

Congress can certainly help, but regulators must recognize that they have a structural oversight problem and need to develop remedies on their own. ... Read full article

Publication of the Fed's loss estimates, required by Dodd-Frank, has banks focused on second-guessing the regulator's model, rather than the hard work of improving enterprise risk management. ... Read full article

Policymakers clearly don't want to harm small banks, but it's difficult to see how they can insulate us from the macroeconomic effects of some of the proposals being considered. ... Read full article

The requirement is a symptom of a larger problem: Inherently local knowledge is needed for most of the regulations tasked to regulators in Washington. ... Read full article

Private mortgage insurance should be identified as a viable option for credit enhancement as regulators contemplate post-GSE-reform models and Basel III revisions. ... Read full article

Numerous components of Basel III could empower bank regulators to increase the amount of capital banks hold, especially for large banks. ... Read full article

The sensitivity now present at the highest levels of the Fed, OCC and FDIC offers great promise to consumers looking to acquire responsible loans from the banking industry. ... Read full article

Constraints on fees for arranging loans will encourage car dealers to charge more for other products and services to make up lost revenue. ... Read full article

Young families looking to put down roots in a community must be served if we are going to grow our economy and sustain the housing recovery. ... Read full article

We must make clear that in all bank failures all creditors, other than insured depositors, will face risk of loss so that neither the FDIC nor taxpayers will lose money. ... Read full article

An honest debate over our "too big to fail" problem and a sound policy response are incompatible with a wait-and-see approach to the laws already on the books. ... Read full article