Capital FDIC Regulation Taxes 
PYMNTS
OCTOBER 1, 2019
In the next 10 years, as robots and other tech bring about the “greatest transfer from labour to capital” the industry has witnessed, per a report by Wells Fargo analysts, U.S. Federal Deposit Insurance Corporation (FDIC) data, however, shows that the industry’s overall headcount has shrunk only 16 times as of 1935.
CFPB Monitor
MARCH 24, 2020
The FDIC has issued a proposed rule setting forth the conditions it would impose and the commitments it would require to approve a deposit insurance application from an industrial bank or industrial loan company (collectively, ILC) whose parent company is not subject to consolidated supervision by the Federal Reserve Board (FRB).
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PYMNTS
OCTOBER 1, 2019
In the next 10 years, as robots and other tech bring about the “greatest transfer from labour to capital” the industry has witnessed, per a report by Wells Fargo analysts, U.S. Federal Deposit Insurance Corporation (FDIC) data, however, shows that the industry’s overall headcount has shrunk only 16 times as of 1935.
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
Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned.
Jeff For Banks
APRIL 25, 2015
I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position. How do I know this?
Jeff For Banks
MARCH 5, 2021
According to my firm's profitability peer group, a branch with $74 million in average deposits made a mere pre-tax profit of three basis points. Another challenge is imposed by the very government that tries to assist LMI households: regulation. Since a bank can't cut regulation, they trim their branch network to lower those costs.
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