Compliance & Regulation
Compliance & Regulation
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Small banks could be erased from mortgage market thanks to Choice Act
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.
New GSE proposal seeks to fill capital void
William M. Isaac
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.
It’s not just banks with a stake in achieving regulatory relief
American Bankers Association
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.
Interest on Fed reserves is the wrong market policy to criticize
Whalen Global Advisors LLC
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.
Why banks should take notice of retailers’ problems
Mayra Rodríguez Valladares
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.
The real story behind the C&I lending slowdown
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.
A GSE risk we can no longer ignore: Doing nothing
Community Home Lenders Association
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.
CFPB’s ‘project catalyst’ failed. Fintech deserves better
U.S. House of Representatives
Congressional action is necessary to give financial regulators the tools they need to promote responsible innovation.
Regulators' silence on new HMDA rule is deafening
Warren W. Traiger
Buckley Sandler LLP
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.
FSOC is too political to be taken seriously
R Street Institute
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.
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