News Topic: regulation-reform

Why do we need three or more examinations of a bank by multiple agencies, focusing on many of the same issues? ... Read full article

The SEC release questioning many long-standing features of mortgage real-estate investment trusts is an unfortunate development for the market as it will delay capital raising efforts and IPOs. ... Read full article

While well intended, Dodd-Frank only tinkers with our supervisory and regulatory structure rather than making the hard but needed changes. ... Read full article

Looking at the history of unsuccessful efforts to tame the economic cycle, one must ask whether Dodd-Frank will harm, rather than help the Fed's ability to react in the next crisis. ... Read full article

The administration has failed to understand the psychology of job creation. Small businesses and community banks have lost confidence in their economic future and are unwilling to invest capital. ... Read full article

Investor's stake in the future of Bank of America shows a boldness that banks now lack. ... Read full article

To do any good the robo-signing settlement should include mandatory, widely applicable principal reductions targeted to homeowners who were the hardest hit. ... Read full article

Outside investors living in other, predominantly white neighborhoods, not local homeowners, account for the foreclosures in our nation's black communities. ... Read full article

It is hard to believe from what's been disclosed in the subprime aftermath that Fannie and Freddie executives didn't know a lot more about the risks than the FHFA court filings indicate. ... Read full article

Unlike past federal guidelines, the QRM exemption does not include credit scores. Instead, it requires financial institutions to perform an inflexible manual review of derogatory factors in the borrower's credit report. ... Read full article

President Obama should acknowledge that something is seriously wrong with the government's response to the financial crisis of 2008 and chart a new course. ... Read full article

By embedding new, modest but ill-defined one-size-fits-all requirements in legislation, the Dodd-Frank Act further politicized the determination of risk retention requirements. ... Read full article

One key reason is that the Department of Veteran Affairs is servicing the loans itself, instead of outsourcing it to others. ... Read full article

The proposed regulation could raise a very significant issue for the directors of a covered company who, consistent with their fiduciary duties, may not elevate U.S. financial stability over the interests of their shareholders and creditors. ... Read full article

The downgrade was a judgment on the stewardship, and not on the capacity of our federal government. That does not mean, however, that the downgrade is without consequence. ... Read full article

Since U.S. legislators and regulators failed to learn how banks' shared delusions generate systemic risk, it's not surprising that European banking regulators also missed the point ... Read full article

American Banker challenged the enforcement record of the FHA under the leadership of former commissioner David Stevens. During this period the program took important steps to reduce its risk. ... Read full article

The Texan presidential hopeful must learn to put policy over hyperbole when he speaks about Ben Bernanke or the Federal Reserve. ... Read full article