News Topic: regulation-reform

I myself am a HMDA wonk, but one with a rather love-hate relationship to the numbers. I love what they reveal, but hate the headaches that come from wrestling with data. ... Read full article

Prohibiting future ownership of unstable CLOs is probably a good thing. Forcing a select group of banks, however, to sell these assets over a short time is not the optimal solution. ... Read full article

The rule prohibits big foreign banks from allocating capital and liquidity in a manner they deem to be most efficient. This may be an acceptable price to pay if the overall result were enhanced stability, but trapping capital and liquidity in particular ... Read full article

Continued focus on this single, but complex Dodd-Frank provision will distract bank managers and regulators from finding ways to make the global financial system healthier. ... Read full article

Before regulators go any further, they should open a public dialogue to make sure they don't do a lot more harm by eliminating the few lenders that remain. ... Read full article

Reforming the multifamily market will lead the way to a future housing finance system where private capital takes first-loss risk and uses ingenuity to responsibly serve all markets at all times. ... Read full article

Nonbank mortgage lenders want to significantly alter a time-tested formula with "membership-lite." Now is not the time to lessen the capital standards for Federal Home Loan Bank membership. ... Read full article

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

FATCA requirements affect a broad cross section of stakeholders and policies within financial institutions including, but not limited to, client onboarding, investment banking, documentation, treasury and collateral management. ... Read full article

Action by federal lawmakers, not guidance from the Justice Department, is whatÂ's needed to give banks comfort in providing services to marijuana businesses in states where pot is legal. ... Read full article

Money market funds possess trillions of dollars of short-term institutional investor funds. Now the SECÂ's proposed rule change for the industry may give banks an opportunity to attract institutional depositors with cash management offerings. ... Read full article

While waiting for regulators to fully understand the effects, small banks should proactively take measures to prepare themselves from the Volcker rule, just like their larger counterparts. ... Read full article

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

There are a number of definitions included in the Volcker Rule that do not fully align to the definitions contained in the Federal Reserve BoardÂ's market risk capital rule. ... Read full article

International banks and other global private firms need to ensure that they do more than pay lip service to the privacy laws of sovereign states. In fact, the penalties for failure to comply with privacy laws in many countries can be very serious indeed. ... Read full article

Under current conditions, bank executives would be crazy to hold back. If they get caught, they can pay their way out of the problems with shareholdersÂ' money. And if their misdeeds pay off as expected, the profits will goose their pay. ... Read full article

Benjamin Lawsky, New York's top financial regulator, rarely sounds ambivalent. But when the topic is something as unprecedented and complex as Bitcoin, the big questions appear to give him pause. ... Read full article

Lack of bank transparency makes it difficult to see the extent of bank exposures to emerging markets and whether financial firms are adequately capitalized to withstand unexpected losses from this market turmoil Â... or any other. ... Read full article