American Banker

JANUARY 16, 2024

In official comments on bank regulators' Basel III endgame capital proposal, concerns are being raised by a wide array of stakeholders — including civil rights advocates and consumer advocacy groups — suggesting major amendments or re-proposal may be necessary for the rule to cross the finish line.

Capital 81

Capital Regulation Groups Policies 81

American Banker

JANUARY 23, 2024

Banking regulators' push for higher capital for the largest banks may very well pass in some form, but before it does, there needs to be an articulated plan for tackling the migration of banking activities out of the banking system.

Capital 35

Capital Regulation System Policies 35

Independent Banker

SEPTEMBER 25, 2014

This is particularly true for community banks preparing to undergo their next regulatory safety and soundness or compliance examination. The better prepared, the less likely they are to run afoul of the continually shifting regulations. Here are several timely suggestions to consider based on recent regulatory trends they see.

Compliance 101

Compliance Regulation Community Bank Community 101

Abrigo

FEBRUARY 16, 2024

Takeaway 3 Credit analysts need training to understand the working capital cycle, look for hidden risks, and be aware of accounting changes. Clearly defined policies and procedures can help avoid confusion and streamline credit operations. Assess and control key risk areas with an effective credit policy.

Training 195

Training Risk Management Analysis Policies 195

American Banker

MAY 7, 2024

Federal Reserve Chair Jerome Powell said there have been "no decisions" on the controversial capital reform plan, but banks and others who have criticized the proposal are eager for an indication about what's next.

Regulation 94

Regulation Capital FDIC Policies 94

American Banker

APRIL 11, 2024

A regulatory proposal to raise bank capital has spurred banks to fight back with a populist appeal to consumers, while regulators say more capital is what's needed to save banks from more crises — and help consumers.

Capital 48

Capital Regulation Policies Compliance 48

American Banker

AUGUST 22, 2023

The American Bankers Association and Bank Policy Institute Tuesday urged bank regulators to delay the finalization of its Community Reinvestment Act rule, saying regulators have not calibrated the rule to account for upcoming capital changes or considered whether courts will find the Consumer Financial Protection Bureau's funding structure constitutional. (..)

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Regulation Policies Community Capital 36

American Banker

JUNE 26, 2023

say upcoming capital proposals won't be implemented for years, but banks tend to move fast to get ahead of upcoming changes. The heads of the Federal Reserve and Federal Deposit Insurance Corp.

Capital 67

Capital Regulation Policies Compliance 67

American Banker

OCTOBER 20, 2023

Regulators will now accept feedback until Jan 16, 2024 — a six-week extension — concurrent with a Federal Reserve effort to gather additional information about the potential implications of the proposed capital changes.

Regulation 65

Regulation Capital Policies Compliance 65

American Banker

MARCH 12, 2024

Regulators in the coming weeks or months will have to decide whether or how to finalize last year's Basel III endgame capital proposal, but there are risks — and rewards — to whichever path they choose.

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Regulation Capital How To Policies 45

PYMNTS

MARCH 20, 2020

The policy being drafted by India’s trade ministry also calls for a new regulator to provide oversight and enforce compliance. The regulator will have the authority to request information from tech firms and also enforce other Indian laws aimed at consumer protection and fair competition, the sources said.

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Data social media Policies Regulation 183

American Banker

SEPTEMBER 5, 2023

Cannabis banking, the Durbin-Marshall credit card bill and executive compensation legislation could be on the agenda this fall, but banking regulators' Basel III endgame proposal has made bipartisan compromise more complicated.

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Policies Capital Regulation Cards 48

PYMNTS

JUNE 20, 2019

One thing he wants to do right away is to enhance the coordination between financial regulators in the country. “To Expanding access can improve the transmission of monetary policy and increase competition,” Carney said. Hammond also wants to make sure London remains the leading financial district in the world, even after the U.K.

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Regulation social media cryptocurrency Capital 116

BankUnderground

APRIL 28, 2023

This post investigates whether large and small banks in the UK and US differ in the cyclical patterns of capital positions and credit provision. 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.

Capital 85

Capital Lending US Data 85

American Banker

JANUARY 9, 2024

Federal Reserve Vice Chair for Supervision Michael Barr said feedback received will be incorporated into the final version of the capital reform rule.

Analysis 101

Analysis Regulation Capital Policies 101

American Banker

OCTOBER 9, 2023

The Federal Reserve's top regulator cited the financial crisis of 2008 repeatedly in a speech about the merits of new risk-capital standards — proposals that have drawn unprecedented fire from banking trade groups and members of Congress.

Capital 60

Capital Regulation Groups Policies 60

Abrigo

OCTOBER 14, 2022

You might also like this whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk." Takeaway 1 Loan modifications training, automating processes, and updating policies and procedures can help prepare organizations for change. Read the whitepaper, "Stress Testing: Managing Capital Levels and Credit Risk.".

Risk Management 195

Risk Management Management Policies Lending 195

CFPB Monitor

APRIL 25, 2022

As we will discuss, the timing of the Consent Order indicates that even when regulators permit crypto activities by financial institutions, they remain cautious, particularly as to BSA/AML compliance. The preliminary approval had requirements, including that Anchorage enter into an Operating Agreement with the OCC. The Consent Order.

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Compliance Digital Banking Training South Dakota 78

Abrigo

MAY 19, 2023

The scope and depth of loan review Loan review requires a "renaissance banker" Loan review policies are typically reviewed and approved at least annually by the board of directors. Policy guidelines usually include a written description of the overall credit grading process and establish responsibilities for the various loan review functions.

Training 195

Training Lending Risk Management Guidelines 195

Abrigo

MAY 20, 2022

Last April, the FDIC released an Interagency Statement titled Model Risk Management (MRM) for Bank Models and Systems Supporting BSA/AML Compliance. What regulators look for in top-down guidance. Model Risk Management in the spotlight. Examiners assign ratings on a 1 to 5 scale, with 1 indicating low risk and 5 indicating high risk.

Risk Management 195

Risk Management Management FDIC Meeting 195

American Banker

MARCH 11, 2024

sent separate letters to banking regulators on the anniversary of the failure of Silicon Valley Bank, with Hagerty questioning the Federal Deposit Insurance Corp.'s s sale of Signature Bank's assets and Warren urging the regulators to tighten capital and liquidity requirements. Bill Hagerty, R-Tenn., Elizabeth Warren, D-Mass.,

Regulation 36

Regulation Capital Policies Compliance 36

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . Takeaway 3 Timely risk ratings and a written review policy are critical components of effective loan review and credit review. Identifying Credit Weaknesses.

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System Lending Policies Regulation 195

Perficient

MARCH 8, 2023

Giving staff the technical and financial resources, as well as the policies and procedures, to remediate clients will be the responsibility of senior management and often the Board.

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Analysis Resources Policies Strategy 275

Abrigo

JUNE 5, 2023

Banking reports to inform risk management and strategy These reports on capital, growth, and liquidity help financial institutions spot warning signs. Takeaway 2 Reports that assess capital, growth, and liquidity provide banking professionals data to drive decisions. Regulators review them to assess safety and soundness.

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Report Risk Management Capital Data 195

American Banker

JULY 12, 2023

Federal Reserve Vice Chair for Supervision Michael Barr outlined his view for new capital standards this week. But unlike prior reform pushes, this package lacks clear champions in Congress.

Capital 36

Capital Regulation Policies Compliance 36

PYMNTS

DECEMBER 23, 2018

The former senior vice president at Mastercard will oversee tZERO’s legal, regulatory, public policy and compliance functions. In other news, Coinbase CEO Brian Armstrong has officially signed the Giving Pledge, vowing to donate the majority of his wealth to charity. “In

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Bitcoin Compliance Regulation Security 164

American Banker

NOVEMBER 28, 2023

The Federal Reserve governor was one of two dissenting votes on the proposed capital changes earlier this year, but he said he would be open to backing the package if operational capital changes were made.

Capital 67

Capital Operations Policies Compliance 67

American Banker

NOVEMBER 8, 2023

Bank regulators' advance pledge to set capital levels at or above those required by the agreement is evidence that the results of the notice and comment period have been predetermined.

Capital 36

Capital Regulation Policies Compliance 36

American Banker

MARCH 2, 2021

Elizabeth Warren and Sherrod Brown urged regulators not to give in to industry requests to extend a temporary policy easing compliance with the supplementary leverage ratio.

Capital 41

Capital Policies Compliance Regulation 41

American Banker

JANUARY 18, 2024

Opponents of the proposed capital rule offer many arguments as to why it will be a disaster. The trouble is, they're all wrong.

Regulation 74

Regulation Capital Policies Compliance 74

American Banker

AUGUST 1, 2023

The Federal Reserve is leading the push for broader, more standardized risk-capital rules, yet some of its board members, other regulators and industry groups are uncomfortable with the proposal.

Capital 36

Capital Regulation Groups Industry 36

American Banker

DECEMBER 25, 2023

Federal regulators will look to finalize capital rules for banks with at least $100 billion of assets. Here's what to look for as the contentious regulations move through the rulemaking process.

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Regulation Capital Policies Compliance 100

American Banker

FEBRUARY 2, 2024

The FHFA's Home Loan bank report is that rare thing you never see in the nation's capital anymore — a balanced plan on a complex issue that could have lasting impact on a difficult problem.

Policies 52

Policies Report National Capital 52

American Banker

NOVEMBER 20, 2023

The financial services industry has run TV ads during football games and organized lobbying visits by small-business owners in its fight against the Basel III endgame plan to raise capital requirements for larger lenders. The tactics are beginning to show signs of working.

Capital 53

Capital Industry Policies Compliance 53

PYMNTS

MAY 22, 2018

A bill that would give regional banks a break on regulation was before the U.S. The bill also gives regulators more discretion in deciding when to require stress tests of capital adequacy for banks with between $100 billion and $250 billion in assets in the event of another crisis,” according to a summary of the bill in MarketWatch. “Tom

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Regulation Regional Community Community Bank 100

American Banker

JULY 10, 2023

The acting comptroller of the currency says regulators are aligned on rule changes, but noted that forthcoming policy proposals are being driven by more than just recent bank failures.

Capital 32

Capital Policies Regulation Compliance 32

American Banker

AUGUST 13, 2023

Banking and housing experts say that if additional capital burdens spur large banks to pull back on mortgage origination, servicing and funding, the ripple effects could be felt more intensely in the housing market than on banks' bottom lines.

Capital 69

Capital Marketing Policies Compliance 69