regulation-reform

Bank Risks Must Be Made Clear to Investors

08/01/14

Today's investors realize how little they understand banks' risk exposures and are skittish about providing risk capital. The solution is to create transparent bank reports that present information in a clear, accessible manner, according to Vincent Papa of the CFA Institute.

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When Measuring Big Banks' Subsidy, First Count the Costs

07/28/14

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.

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Oversight Can Be an Engine, Not an Anchor, for Your Bank

07/24/14

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.

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Banks May Not Be Prepared for the Next Recession

07/23/14

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.

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In Year Four of Dodd-Frank, Over-Regulation Is Getting Old

07/21/14

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.

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The Smart Way to Regulate Overseas Swaps Trading

07/21/14

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.

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The Most Important FHLB Reform Has Already Happened

07/17/14

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 choose, writes the FHLBanks' Steven F. Rosenbaum.

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How Smaller Banks Can Avoid Volcker Rule Headaches

07/16/14

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.

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How to Reform the Federal Home Loan Banks

07/11/14

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.

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Why We Need to Restructure the Big Bank Holding Companies

07/10/14

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.

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