News Topic: regulation-reform

If regulators have the will and the authority to resolve "too big to fail," now is the time to act. The prospect of several more years without resolution is terrifying. ... Read full article

FHFA's decision to sell foreclosures in bulk is hindering the rising Hispanic consumer segment, along with other first-time buyers, from driving a healthy housing rebound. ... Read full article

Regulators and lawmakers should take steps to encourage banks to use their excess reserves to accommodate consumer credit demand. ... Read full article

The record shows that regulators and prosecutors have charged bank D&Os and other employees in ways that affect their personal net worth and freedom. ... Read full article

The former Securities and Exchange Commission chair's move to Promontory Financial is likely to add to public cynicism about a revolving door and regulatory capture. ... Read full article

Calls for reciprocity and a lack of participation from Asian-Pacific countries present significant challenges for the overreaching legislation. ... Read full article

Human enterprise is powered by financial resources and expertise. Banks truly can help people in all walks of life accomplish what they set out to do. ... Read full article

Ineffective regulation creates a false sense of confidence that causes people and markets to be less diligent than they otherwise would be. ... Read full article

New Community Reinvestment Act guidelines will reduce paperwork burdens, open up new areas for assistance and make clear that banks falling short will hurt their overall lending test performance. ... Read full article

Congress and regulators are listening. Silence among big bank representatives can be viewed as a green light to pass legislation that limits the size of their financial institutions. ... Read full article

While JPMorgan's witnesses were testifying with practiced humility, lobbyists were working to gut the reforms of derivatives trading enacted as part of the Dodd-Frank Act. ... Read full article

Our best chance to counter the government policies that caused the crisis (and continue to endanger the banking system) is, paradoxically, another distasteful state intrusion. ... Read full article

For many small and midsize banks, AML is all about compliance and getting through an examination without too many bruises. The means overshadow the ends. ... Read full article

If he supported size regulations on big banks, JPMorgan's CEO would help revamp his increasingly tarnished image and help put the entire financial industry on the path to redemption. ... Read full article

Results suggests safety when there is none and diverts attention from the real need for structural reform. ... Read full article

Abolish the public/private hybrid model of Fannie and Freddie, sell or liquidate their businesses, and privatize the mortgage market. This can be done in an orderly way in a few easy steps. ... Read full article

Breaking up big banks as way to score our pound of flesh post-financial crisis could result in increased unemployment, higher credit costs for all and a transfer of risk from banks to lightly regulated shadow financial institutions. ... Read full article

Rewriting the longstanding structures of corporate law and the roles and responsibilities of bank boards could create chaos in the global corporate and financial structures. ... Read full article