News Topic: regulation-reform

Studies of whether big banks enjoy implicit funding subsidies should take into account the effect of post-Dodd-Frank legislation and regulation, write Aaron Klein and Peter Ryan of the Bipartisan Policy Center. ... Read full article

Banks can ensure that their oversight teams help to propel the whole company forward by creating a thorough governance structure and hiring overseers with experience in key business lines. ... Read full article

Federal Reserve stress tests evaluate banks' ability to withstand severely adverse scenarios like the Great Recession. But the next downturn may pose different problems, according to Tony Hughes of Moody's Analytics. ... Read full article

Dodd-Frank encourages the pursuit of financial stability at the expense of economic growth. Congress can fix the problem by amending the law so that regulators are required to balance both goals, writes Paul H. Kupiec of the American Enterprise Institute. ... Read full article

Decisions about how to apply U.S. swaps trading rules abroad should be based less on fears of risk to the financial system and more on considerations of market integrity, according to attorney Timothy Karpoff. ... Read full article

A recent article by Thad Woodard proposed slashing the number of Federal Home Loan Banks in order to free up funds for community lending. But the Home Loan Banks' member institutions are already empowered to push for consolidation any time they ... Read full article

Even activities permitted under the Volcker Rule may not be worth the legal and compliance costs for small and mid-sized banks, according to three attorneys at Bass, Berry & Sims. ... Read full article

Reducing the number of Home Loan banks would lower the cost of advances for community banks, leaving them with more money to lend out to their communities. ... Read full article

Large bank holding companies defy both effective management and effective regulation. The solution is to allow shareholders of each company's subsidiary to choose its management and judge its performance. ... Read full article

A new report from the Basel Committee says that using public funds to resolve weak banks may be considered in systemic situations. If even capital rule-writers are willing to consider more bailouts, the only way to end "too big to fail" may be ... Read full article

Stress tests have a spotty record as a tool for identifying weaknesses and problem institutions. ... Read full article

If banks can develop processes that show their credit decisions are consistent, transparent, and easily auditable they will be in a better position insulate themselves from disparate impact judgments, writes Zoot EnterpriseÂ's Eric Lindeen. ... Read full article

Ten years after the adoption of Basel II, the distortion in bank credit allocation produced by risk-weighted capital requirements has not even begun to be discussed. ... Read full article

On one hand, bills supporting deregulation are garnering legislative support. On the other, a number of high-profile members of Congress have spoken out in favor of stricter rule enforcement and prosecution. ... Read full article

In the era of shadow banking, regulators should focus not on which asset management firms to regulate, but on which asset management activities. ... Read full article

Identifying which borrowers are likely to repay short-term, small-dollar loans could help lower costs for both consumers and the financial services industry. ... Read full article

The city of Richmond, Calif., wants to team up with another municipality to implement its plan to use eminent domain to seize underwater mortgages. There have been no takers to date. The likely reasons are the FHFA and the continuing threat of litigation. ... Read full article

The widely repeated narrative about AIG ignores or downplays a critical aspect of its downfallÂ--the insurerÂ's securities lending program run for the benefit of its regulated life insurance subsidiaries. ... Read full article