Many lenders are establishing a firm bottom on variable interest rates amid intense competition for commercial credits, rising deposit costs and the possibility that the Fed could take rates to unprecedented lows. ... Read full article
Readers react to the FDIC's proposal allowing banks to hire ex-cons, regulators looking into climate-change risk at banks, whether rewards programs drive loyal customers and more. ... Read full article
The smooth and relatively short process should be encouraging to other big banks that are eyeing deals. But their window of opportunity may not last long. ... Read full article
In recent months federal regulators have been speaking out on the risks that extreme weather events pose to the financial system, something their European counterparts have been doing for some time. ... Read full article
The case — the card issuer's third in six years — is an example of the legal peril that banks and other companies continue to face over the use of automated phone calls for debt collection and other purposes. ... Read full article
Bank and other lenders are said to have poured hundreds of billions of dollars into financing private-equity firms and their investment deals in recent years. Defaults have been low, but an economic slowdown could put these relationships to the test. ... Read full article
The regulator of Fannie Mae and Freddie Mac discussed steps the companies have already taken to limit their risk, as well as efforts to prevent housing market “overlap” with the FHA. ... Read full article
While demand is strong and loan performance generally remains solid, the prevalence of longer loan terms has sparked concern that losses will eventually spike. ... Read full article
Federal regulators should amend a capital buffer requirements for certain derivatives to avoid economic damage. ... Read full article
Even with the FDIC actively encouraging groups to start banks, challenges like raising capital and low interest rates make it tough. ... Read full article
A thorough process for approving experiments with artificial intelligence, clear philosophical principles and diverse human involvement are some of the ways BofA says it's working to ensure AI does no harm. ... Read full article
Banks need to understand that examiners' job is to call it like they see it. ... Read full article
A research paper says the president’s constant criticisms are driving Fed policy, directly or indirectly; the huge demand by banks for cash may be the result of tougher regulations. ... Read full article
The Banking Committee chairman's comments have advanced legislative efforts, but questions remain about where he'll take the issue. ... Read full article
Banks are using Receptiviti’s software to find signs of stress, collusion and questionable sales practices among employees. ... Read full article
The German bank responds to an op-ed that criticized its restructuring. ... Read full article
Recent studies offer a dire outlook for water levels in drought-prone states. Some banks are bracing for this risk with changes to underwriting of real-estate-related loans. ... Read full article
The Financial Action Task Force’s recent guidance on data privacy regulations should serve as a warning to companies planning to test virtual currencies. ... Read full article
Treliant and Federal Financial Analytics have established a one-stop shop to guide financial institutions through uncertain business and policy times. ... Read full article
The potential for negative long-term mortgage rates is surfacing around the world, and with global tensions building in the U.S. market, there's a small but growing chance it could happen here, too. ... Read full article
