American Banker
JANUARY 4, 2024
One of the smallest banks in the country hasn't consistently made a profit since 2007 and has been the subject of enforcement actions. The FDIC's public rebuke against it indicates a last-ditch effort to figure out a less messy solution than receivership.
Long Lasting Ideas
JUNE 28, 2018
Subprime mortgages, greedy big banks and brokered deposits were at the root of the 2007 financial crisis, or so goes the case of federal regulators who helped saddle institutions big and small with Dodd- Frank. But a recent study by a former bank regulator and respected scholar, James R.
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Abrigo
JULY 25, 2017
Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. He starts by reviewing some of the data over the last decade, specifically the role that Acquisition, Development and Construction (ADC) loans played leading up to the 2007 recession.
Jeff For Banks
JUNE 4, 2018
"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. Regulators and consultants promulgate this untruth. He was confident in his bank's liquidity position, but felt regulators could artificially create a liquidity problem.
Jeff For Banks
MAY 20, 2017
And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.
Jeff For Banks
JUNE 2, 2023
More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned. What caused it?
CFPB Monitor
JANUARY 19, 2015
Section 342 of Dodd-Frank directs each of the federal financial regulatory agencies to create an Office of Minority and Women Inclusion (OMWI) to oversee diversity efforts at the agencies, and further, to develop standards for assessing diversity policies and practices at regulated financial entities.
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