Loan Think

The Financial Choice Act contains many positive reforms for community banks, but a provision affording benefits for holding loans on balance sheet poses risk for small lenders.

As long as Fannie Mae and Freddie Mac exist, they must have adequate capital so taxpayers will never again be compelled to help them meet their financial obligations.

There is a great opportunity this year to show the world that Congress can still pass bipartisan, common-sense legislation that helps lift the U.S. economy.

The expansion of the Federal Reserve’s portfolio of Treasury debt and mortgage-backed securities has a bigger impact on the credit markets than paying banks interest on excess reserves.

This is a good time for bank risk managers and bank regulatory examiners to evaluate the effects of a deepening retail crisis on the financial services sector.

Some believe that increased bank regulation is to blame for overall slower growth in commercial and industrial loans. Yet that assessment misses some important details.

Congressional action to reform housing finance is ultimately needed, but we must confront the risk of continued drift and inaction if Congress is unable to act.

Congressional action is necessary to give financial regulators the tools they need to promote responsible innovation.

Upcoming changes to how banks report mortgage activity to the government will have an undeniable impact on Community Reinvestment Act exams, but regulators have been silent on how they will use the data.

The Financial Stability Oversight Council is masquerading as an analytical, objective body that more accurately reflects the Dodd-Frank Act's aim to expand the power of bureaucrats.