News Topic: regulation-reform

Market participants should weigh on BaselÂ's latest consultative document in order to strengthen safety and soundness in growing global securitization markets. ... Read full article

This is 2014, not 2008. The problem is not subprime mortgage lenders, but a pendulum of federal regulation that has swung to such an extreme that worthy, qualified borrowers are being turned away. ... Read full article

Policymakers say they want to bring "underbanked" groups into the traditional banking system for safer consumer options, small-business growth, a sound banking system and other laudable reasons. But today's rules and aggressive enforcement ... Read full article

There are five major changes in Basel's latest guidelines that significantly impact its leverage ratioÂ's denominator, potentially leaving banks significantly undercapitalized in the event of an unexpected loss and endangering our economy. ... Read full article

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

If regulators want to limit the damage in Main Street communities, they should completely exempt Trups CDOs from the Volcker Rule. This would avoid needless writedowns without putting Main Street communities at financial risk. ... Read full article

The authors of banking law have shown a strong and recurring interest in name-identification with their work. Eponyms can provoke emotional reactions and facilitate the merger of persona and policy. ... Read full article

Requiring HUD to take a stand on how it measures disparate impact may at least remove the anomaly whereby government unwittingly increases the chances a lender gets sued for discrimination. ... Read full article

The Federal Reserve should allow market participants to make their own bets on what the central bank will do and when it will do it. ... Read full article

The United States is the most successful political, economic, and financial enterprise the globe has ever seen. It has this position because it has always embraced risk. ... Read full article

While a bankruptcy court has traditionally been a "debtorsÂ' court" committed to helping grant debtors a fresh start, it should not allow for unchecked opportunities to hold the whole process hostage. ... Read full article

The Volcker Rule is a veritable leviathan in size and complexity, but the jury is out on whether it can truly avert another London Whale-type fiasco. DonÂ't hold your breath. ... Read full article

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

It should be obvious that no one in his or her right mind would design the bank regulatory system we have today. No third-world country's bureaucracy is so byzantine. ... Read full article

The Office of Financial Research has made a number of improvements in its measurement of systemic risk but falls well short of providing a forward-looking assessment of emerging dangers. ... Read full article

In her final column for American Banker , Editor-at-Large Barbara Rehm says there is no denying the system is safer than it was in 2007, and while further changes may be needed, it makes sense to Â"take a breather.Â" ... Read full article

The industry has moved from a traditional customer-oriented banking model to a transactional and counterparty-oriented model. This change has contributed to an operating environment in which the opportunity for abuse and deception has increased. ... Read full article

If compliance burden sends traders packing for Russia, Brazil or Mexico, the U.S. would lose not only investment capital but also the ability to monitor algorithmic trading for manipulative practices. ... Read full article