News Topic: regulation-reform

A new book from Nomi Prins illustrates how the Wall Street-Washington symbiosis - the subject of much debate in the wake of the recent financial crisis - has existed for over a century. ... Read full article

The DOJ's initiative ensures that federal and state laws are not circumvented by predatory lenders Â... and gives federal authorities a chance to fix a very broken industry. ... Read full article

The largest and most powerful arm of the central bank of the U.S. has finally admitted the megabank emperors have no clothes. It is past time that we as a nation get to the bottom of this dangerous threat and fix it. ... Read full article

FHA reform would serve as a major enhancement to the Johnson-Crapo proposal as it could ensure long-term viability of both the MMI and new Mortgage Insurance Fund. ... Read full article

Charlie Keating, who died Tuesday, epitomized an era today's mortgage lenders would do well to remember as low-yielding portfolio assets tempt them to take bigger risks. ... Read full article

The GSEs are the essence of highly leveraged, systemically important financial institutions, based on their size, interconnectedness and the lack of substitutability ... Read full article

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

Small banks' increased compliance costs could lead to fewer relationship managers, streamlined service models and increased costs of credit. As such, many small business and middle-market customers may simply choose to take their business elsewhere. ... Read full article

An obscure bill in the House would go a long way to protect taxpayers by giving megabanks an incentive to deleverage and shrink. So why has it gone nowhere? ... Read full article

The discovery of racial disparities at the Consumer Financial Protection Bureau gives real cause for concern, but it also presents an opportunity for the whole financial services sector to have a broad, healthy dialogue about diversity. ... Read full article

The housing sector is increasingly a drag on consumption and job creation. The fault lies not with the market but with ill-considered regulations and bank capital rules. ... Read full article

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

It is not right that a creditor be held liable for unintentional discrimination on the basis of less evidence than is required to prove intentional discrimination. Leveraging a settlement on threat of litigation without such evidence is an abuse of power. ... Read full article

"It would have made a lot more sense to bring back Glass-Steagall," a pre-and-post crisis risk manager tells American Banker Editor in Chief Neil Weinberg, while discussing WashingtonÂ's Dodd-Frank solution. ... Read full article

Policymakers should focus less on the government's retreat from the mortgage market and more on creating the kind of investment environment needed to attract significant private capital. ... Read full article

What is different post-crisis is that the actions of a minority of bankers have saddled the finance sector with a greedy, ethics-challenged image that may hinder recruiting the best and brightest talent. ... Read full article

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

A House subcommittee is set to discuss whether U.S. financial reform impedes our ability to compete with firms overseas. But if they were truly worried about global competitiveness, there are other, more pressing issues lawmakers should be analyzing. ... Read full article