American Banker

SEPTEMBER 9, 2024

The Basel capital rules long ago proved themselves to be ineffective and unwieldy. A former FDIC chairman said that history offers us a better alternative in the form of a regulator-centric model rooted in a pre-Basel approach to oversight.

Capital 60

Capital US FDIC Regulation 60

Abrigo

JANUARY 24, 2024

Account for the details before your FDIC bank acquisition Consider these tips for assessing your institution and a to-be-acquired institution for a smooth integration You might also like this webinar, "Valuation and purchase accounting: Navigating the changing M&A landscape."

FDIC 195

FDIC Regulation Strategy Data 195

American Banker

SEPTEMBER 18, 2024

As Silvergate Capital filed for Chapter 11 bankruptcy protection, an executive said the company's crypto-friendly bank went down last year because regulators soured on its business model.

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FDIC Regulation Capital Company 101

CFPB Monitor

AUGUST 4, 2022

The FDIC has issued an “Advisory to FDIC-insured institutions Regarding Deposit Insurance and Dealings with Crypto Companies ” to address the agency’s concerns regarding misrepresentations about FDIC deposit insurance by certain crypto companies. The FDIC identifies two issues that can create customer confusion.

FDIC 78

FDIC Risk Management Policies Regulation 78

PYMNTS

MARCH 19, 2020

Banking regulators on Thursday (March 19) said they are going to give banks credit for letting lower-income Americans borrow money during the coronavirus pandemic, according to a report by Reuters. Regulators, for their part, said they want to encourage lending. The largest banks have about $1.3

Regulation 140

Regulation Lending FDIC US 140

American Banker

OCTOBER 25, 2024

and Texas banking regulators issued consent orders against Industry State Bank, Fayetteville Bank, and Citizens State Bank requiring major overhauls of their management, capital, and risk controls. The Federal Deposit Insurance Corp.

Texas 66

Texas Risk Management Management FDIC 66

CFPB Monitor

DECEMBER 22, 2020

The FDIC has issued a final rule that establishes a new framework for analyzing whether deposits made through deposit arrangements qualify as “brokered deposits” and amends the methodology for calculating the interest rate restrictions that apply to less than well capitalized insured depository institutions (IDIs).

FDIC 78

FDIC Capital National Regulation 78

Perficient

MARCH 22, 2023

We’re putting this into practice and offering our predictions concerning what regulations may arise once the dust has settled. Short Capital? SVB Financial had Tier 1 risk-based capital of 15.40% as of December 31, 2022, over 80% higher than the 8.50% regulatory required ratio. Total risk-based capital 16.18

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Report Regulation Capital Management 474

CFPB Monitor

DECEMBER 20, 2018

The FDIC has issued an Advance Notice of Proposed Rulemaking (ANPR) seeking comment on its regulatory approach to brokered deposits and interest rate restrictions. The FDIC’s current regulations on brokered deposits and interest rate restrictions are set forth at 12 C.F.R. Section 337.6.

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FDIC Regulation Capital Analysis 60

PYMNTS

JANUARY 7, 2019

In Ireland, reported CryptoGlobe , the Irish cabinet has approved legislation that will bring more regulation to the sector. Separately, in India, the action toward crypto regulation seems to be … inaction. Banks are well capitalized. The site noted that the new rules still await passage by the country’s legislative body.

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Regulation cryptocurrency National Capital 151

South State Correspondent

APRIL 30, 2024

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC). One simple ratio to consider is derivative leverage ratio.

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. Second, the hedge provider must be an FDIC insured institution and structure its hedges as a qualified financial contract (QFC). One simple ratio to consider is derivative leverage ratio.

Community Bank 195

Community Bank FDIC Community National 195

Bank Innovation

APRIL 25, 2019

. — Fintechs are having trouble facing reality when it comes to obtaining bank charters, FDIC Chairman Jelena McWilliams and Comptroller of the Currency Joseph Otting said here at the FDIC’s Fintech and the Future of Banking conference on Wednesday.

Fintech 186

Fintech FDIC Washington Conference 186

American Banker

OCTOBER 8, 2024

s commitment to the global capital standards. Europe's top finance ministers are questioning the U.S.'s The mistrust could have consequences for international regulatory efforts.

Capital 84

Capital US FDIC Policies 84

American Banker

JULY 10, 2024

During his second day of congressional testimony this week, the Federal Reserve chair said the central bank does not have supremacy over other agencies on their joint rulemaking.

FDIC 73

FDIC Capital Policies Compliance 73

CFPB Monitor

DECEMBER 28, 2020

The FDIC has issued a final rule setting forth the conditions it will impose and the commitments it will 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).

FDIC 78

FDIC Industry Policies Company 78

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. FDIC Update. Last April, the FDIC released an Interagency Statement titled Model Risk Management (MRM) for Bank Models and Systems Supporting BSA/AML Compliance.

Risk Management 195

Risk Management Management FDIC Meeting 195

American Banker

JULY 2, 2024

Old Glory Bank, which has ties to conservative political figures and touts itself as "pro-America," needs to raise more capital to meet its regulator's requirements. Failure is not an option. We're going to figure this out," the bank's president and CEO said.

FDIC 58

FDIC America Meeting Regulation 58

CFPB Monitor

AUGUST 26, 2019

On Tuesday, the FDIC released a Notice of Proposed Rulemaking (NPR) that outlines anticipated revisions to its regulations regarding interest rate restrictions that apply to less than well capitalized insured depository institutions. The FDIC would compute the national rate and publish rate cap information on a monthly basis.

FDIC 60

FDIC National Capital Marketing 60

American Banker

JULY 24, 2024

Vice Chair Travis Hill has called for a full reproposal of the Basel III endgame capital standards, emphasizing the need for joint advancement by all three major federal banking agencies and an additional comment period for industry feedback. Federal Deposit Insurance Corp.

FDIC 53

FDIC Capital Industry Compliance 53

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).

FDIC 60

FDIC Taxes Industry Company 60

CFPB Monitor

AUGUST 20, 2020

federal and state financial institution regulators have taken meaningful, proactive steps to acknowledge financial inequality issues, reach out to traditionally underserved populations to expand access to credit, and further protect consumers from discrimination. This blog post contains a summary of those efforts.

Regulation 78

Regulation FDIC Community Lending 78

American Banker

APRIL 3, 2020

First State Bank, which the FDIC sold to MVB Financial, had struggled with profitability and capital levels for several years.

West Virginia 78

West Virginia Virginia FDIC Regulation 78

Abrigo

JUNE 28, 2024

Navigating interest rate management in today's environment As regulators focus on interest rate risk management, read about what financial institutions can do to be ready for a rate drop. Capital and liquidity management Maintaining a strong capital position and managing liquidity are foundational to managing interest rate risk.

Community Bank 195

Community Bank Strategy Community Management 195

PYMNTS

OCTOBER 25, 2019

The Commodity Futures Trading Commission ( CFTC ), Federal Deposit Insurance Corporation ( FDIC ), Office of the Comptroller of the Currency ( OCC ), and the Securities and Exchange Commission ( SEC ) have announced that they are joining the Global Financial Innovation Network ( GFIN ).

Colorado 102

Colorado Regulation Innovation Wyoming 102

Perficient

AUGUST 15, 2024

A major step in this direction is the European Union Markets in Financial Instruments Directive II (EU MiFID II) Regulation requiring financial firms to incorporate sustainability preferences into their advisory and portfolio management processes since 2022. All and all, ESG and Climate Risk is going to impact all of us, one way or the other.

Risk Management 221

Risk Management Resources Regulation Community 221

American Banker

JUNE 22, 2023

FDIC Chairman Martin Gruenberg announced that regulators will soon issue a proposed rule to finalize U.S. implementation of the most recent revisions to the Basel III capital framework.

FDIC 51

FDIC Capital Regulation Policies 51

Abrigo

DECEMBER 22, 2023

Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions.

Risk Management 221

Risk Management Regulation Management Lending 221

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 95

Regulation Capital FDIC Policies 95

American Banker

OCTOBER 16, 2020

First City Bank of Florida had suffered “longstanding capital and asset quality issues” that were unrelated to the pandemic, the FDIC said.

Florida 62

Florida FDIC Regulation Capital 62

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.

Technology 217

Technology FDIC US Big Data 217

Abrigo

MARCH 17, 2022

The Stress Test Scenarios for Big Banks Are Useful for Smaller Institutions' Own Tests Banking regulators recently released the 2022 scenarios for upcoming stress tests by the biggest banks. But small banks and credit unions can benefit from the stress test scenarios, too. Related Subhead. Why financial institutions stress test.

Capital 195

Capital Regulation Risk Management Community 195

PYMNTS

SEPTEMBER 30, 2020

It would instead offer payment companies a national servicing platform to replace the regime of state regulations such firms would be subject to under existing laws. Commercial companies accessing a payments charter would avoid oversight and regulations that protect the financial system and consumers,” the bank industry leaders wrote.

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Regulation National System Industry 349

American Banker

JULY 2, 2024

Euene Scalia, former Secretary of Labor and the banking lobby's lawyer on retainer for a potential challenge to Washington's capital reform effort, discusses the state of administrative law after the overturning of a key legal precedent.

Washington 69

Washington Regulation Capital FDIC 69

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

Abrigo

NOVEMBER 11, 2019

An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance. FDIC FIL-46-2013 October 8, 2013. ALM should be used to create value in all interest rate environments. ALM seen as checking the box.

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Management FDIC Community Risk Management 150

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.

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Regulation Regional Community Innovation 100