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2022 Dodd-Frank Stress Test Scenarios Released

Perficient

Federal bank regulators work together to design Comprehensive Capital Analysis and Review (“CCAR”) stress tests that are designed to ensure that even in the case of a severe recession, significant banks can lend to households and businesses. As repeated by federal bank regulators, the required economic scenarios are not forecasts.

Capital 294
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Treasury Finds Promise In, Urges Regulation Across, FinTech Landscape

PYMNTS

The report urged regulation that would standardize efforts across these tech upstarts, with an eye on new services and the way data is collected and stored. As reported, financing FinTechs has been enthusiastic, touching $22 billion in 2017 — up 13 times from 2010. Faster Payments, and Lending, Too.

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GAO report on household access to banking services finds limited availability of small-dollar loans from banks and credit unions

CFPB Monitor

These concerns are often dismissed by consumer advocates with the argument that banks and credit unions will increase their small-dollar lending if other providers leave the market due to interest rate caps. Among the services examined by the GAO in the report is small-dollar lending.

Report 78
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The pro-cyclicality of capital ratios and credit supply, a tale of two sizes

BankUnderground

The reforms aimed to ensure that banks have sufficient capital resources to absorb losses and reduce the cyclical effects of bank capital (and regulation) on the supply of bank credit in stress. Additionally, regulators in various jurisdictions have been trying to create simpler (but not weaker) regulatory frameworks for small banks.

Capital 84
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The link between mortgage debt servicing burdens and arrears: is there a critical threshold?

BankUnderground

Some countries restrict lending to borrowers with high debt-servicing burdens There are different metrics that measure a household’s debt-servicing burden. Some countries have regulations in place that restrict lenders’ ability to issue mortgages to borrowers that exceed certain DSR limits.

Survey 55
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 Dodd-Frank Looms For Capitol Hill Consideration

PYMNTS

Dodd-Frank , the controversial 2010 legislation that came in the wake of the financial crisis that was in the crosshairs of the Trump administration from the start, seems to be resting a bit easy at the moment – but perhaps just for the moment. . Talk of regulatory reform is normal discourse on the Hill.

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First New Community Bank In Decades Headed To US Market

PYMNTS

. “After a decade of community bank consolidation, without a single new bank charter, we see a generational opportunity to bring true community banking — and unparalleled customer service — back to the Greater Washington region, arguably the best banking market in the nation,” stated Vision Bank, according to reports.