BankUnderground

SEPTEMBER 13, 2023

Álvaro Fernández-Gallardo, Simon Lloyd and Ed Manuel Since the 2007–09 Global Financial Crisis, central banks have developed a range of macroprudential policies (‘macropru’) to address fault lines in the financial system. So we construct a macropru policy index using the MacroPrudential Policies Evaluation Database (MaPPED).

Policies 126

Policies Exercises Tools US 126

BankUnderground

JULY 27, 2021

Following the global financial crisis in 2008, central banks around the world introduced tighter banking regulations to increase the resilience of the financial sector and reduce the risks of severe financial disruptions during economic downturns. In reality, this policy often takes the form of minimum capital or liquidity requirements.

Policies 110

Policies Capital Regulation Analysis 110

American Banker

JULY 2, 2023

Higher capital requirements tend to drive certain lending activities away from banking and toward so-called shadow banks. How regulators shore up banks without driving their customers away is the source of a spirited philosophical debate in Washington.

Capital 87

Capital Regulation Washington Lending 87

American Banker

NOVEMBER 6, 2023

economy and local economies throughout our nation are being "hung out to dry" by regulators' push for increased capital requirements, according to the head of the Small Business & Entrepreneurship Council. The small businesses that drive the U.S.

Policies 92

Policies National Regulation Capital 92

PYMNTS

JANUARY 2, 2020

A European Central Bank (ECB) policy maker is urging banks in the area to find alternatives to Facebook’s proposed cryptocurrency Libra, according to a report by Bloomberg. A member of the Board of Governors of the Federal Reserve System, Brainard spoke at the ECB colloquium in Frankfurt on “ Monetary policy: the challenges ahead.”

Policies 132

Policies cryptocurrency Capital System 132

Gonzobanker

NOVEMBER 22, 2022

Well, Gonzobankers, the smart, idealist and self-declared revolutionary crypto kids just bought themselves a future of regulation — intricate, overbearing, and frustrating regulation, and regulation that the market will now demand. Welcome to adulthood, y’all. Wonderful” O’ Leary, and of course Tom and Gisele. What’s Next?

Regulation 162

Regulation blockchain Marketing Strategy 162

American Banker

JULY 19, 2024

Community and advocacy groups opposed Capital One's proposed acquisition of Discover in a hearing held by federal regulators on Friday.

Community 69

Community Capital Groups Regulation 69

American Banker

OCTOBER 31, 2024

Banks are not likely to see their regulatory capital requirements decline any time soon. But the way capital levels are calculated could be made more reflective of real risks.

Capital 57

Capital Policies Compliance Regulation 57

TheGuardian

SEPTEMBER 12, 2024

The regulator said it had made “substantial changes” to earlier proposals, meaning UK banks would not have to set aside as much money for capital buffers as previously planned. Capital buffers provide a financial cushion against risky lending and investments on bank balance sheets. Continue reading.

Capital 75

Capital Lending Regulation System 75

Abrigo

JUNE 23, 2017

The desire to avoid examiner scrutiny may tempt some financial institutions to set the bar high when it comes to credit and liquidity risk management policy limits, but regulators are discouraging this approach. Do established policy limits reflect true risk tolerance?

Policies 150

Policies Risk Management Survey FDIC 150

Abrigo

FEBRUARY 6, 2024

Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending. In this blog post, we will delve into the strategies and policies credit unions can adopt to ensure the success and profitability of their MBL programs. Takeaway 2 Start slow.

Lending 221

Lending How To Risk Management Policies 221

American Banker

SEPTEMBER 23, 2024

While other Washington regulators revise their approaches to merger reviews, the Federal Reserve has made no official change to its framework. The $35 billion merger could demonstrate just how differently the central bank is approaching the issue — if at all.

Policies 48

Policies Washington Capital Regulation 48

Perficient

JUNE 30, 2022

Members of Perficient’s Digital Asset Team have advised followers in multiple online articles about the digital asset revolution and relevant regulations affecting the same in the United States. Highlights From Federal Bank Regulators’ Joint Statement on Cryptocurrency Assets – Perficient Blogs. Crypto Conference.

cryptocurrency 472

cryptocurrency Regulation Conference Taxes 472

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

PYMNTS

FEBRUARY 6, 2020

Buy now, pay later (BNPL) company Afterpay has pushed back against the Reserve Bank of Australia’s potential regulation of its fees. Afterpay has a market capitalization of around $10 billion. A majority of its revenue comes from merchant fees, which comprise around 3 to 6 percent of transactions.

Regulation 141

Regulation Google Policies System 141

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 83

Capital US FDIC Policies 83

BankUnderground

AUGUST 31, 2022

While regulators cannot be sure what risks the next decade will feature, they can be sure that the set of issues will continuously evolve. Figure 1 summarises the most common issues considered by the Financial Policy Committee in the last decade. Alina Barnett, Sinem Hacioglu Hoke and Simon Lloyd.

Policies 110

Policies Marketing System Regulation 110

PYMNTS

JUNE 26, 2020

Valdis Dombrovskis , the European Union’s (EU) executive vice-president in charge of financial services policy, said Wirecard’s collapse threatens investor trust in the EU, the newspaper reported. We need to clarify what went wrong.”. A mid-July deadline for a reply from ESMA has been set, he added.

Regulation 152

Regulation Capital Policies Course 152

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 34

Capital Regulation System Policies 34

BankUnderground

SEPTEMBER 8, 2022

The probability of an extreme stress event with losses above £91 billion (roughly 19% of CET1 capital) increased from 1% before the pandemic to 4.1% Developing policies that reduce the build-up of systemic risk and preserve the stability of the financial system is an increasingly relevant task for regulators worldwide.

Capital 126

Capital System Policies Data 126

BankUnderground

NOVEMBER 13, 2024

David Elliott, Ralf Meisenzahl and José-Luis Peydró Capital flows and credit growth are strongly correlated across countries. Existing academic literature emphasises the role of banks in propagating these US monetary policy spillovers. In other words, nonbank lenders weaken international spillovers from US monetary policy.

Policies 102

Policies Lending US Chicago 102

BankUnderground

AUGUST 25, 2020

Dennis Reinhardt and Carlos van Hombeeck Have post-crisis reforms of banking regulation made banks and lending more resilient to the shock from Covid-19 and if so by how much?

Capital 98

Capital Policies Lending Regulation 98

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

American Banker

NOVEMBER 12, 2024

Every time we revise bank capital rules, we uncover new flaws that leave banks unprepared for unexpected stress events.

Capital 45

Capital Risk Management Policies Compliance 45

ABA Community Banking

OCTOBER 9, 2023

Community banks need to get engaged on the regulators’ capital framework overhaul, outgoing ABA Chair Dan Robb told ABA’s Annual Convention in Nashville this morning. The post Dan Robb: Capital proposal is concerning to community bankers appeared first on ABA Banking Journal.

Community 64

Community Capital Nashville Community Bank 64

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 105

Capital Lending US Data 105

BankUnderground

JULY 31, 2020

To make regulation proportionate, policymakers adapt regulatory requirements to the risks posed by each firm. But regulators face a trade-off between addressing systemic risks in a proportionate way and limiting regulatory complexity. higher capital or cost of funding). asked PRA CEO Sam Woods in a recent speech.

Regulation 103

Regulation Policies Analysis Capital 103

BankUnderground

AUGUST 16, 2022

Hence, we quantify the UK banking sector’s share of total assets allocated towards climate policy relevant sectors (CPRS). Climate policy relevant sectors and the Taxonomy Alignment Coefficient. Table 2: UK Banks’ exposures to climate policy relevant sectors (£ billions). Conclusions and policy implications.

Policies 109

Policies Exercises System Security 109

PYMNTS

JANUARY 22, 2021

India's central bank wants stricter regulations for big shadow lenders, according to a new report from Bloomberg. One proposition is a 9 percent core capital requirement on the top tier, akin to banks. The paper comes after a speech by a top RBI official in charge of banking regulation, Bloomberg writes.

Regulation 272

Regulation Capital Lending Groups 272

American Banker

JUNE 11, 2024

Nearly 20 years ago, the SEC made business development companies subject to an obscure reporting rule that pushed them out of major index funds. Reversing course would be a major boon to small businesses.

Policies 60

Policies Capital Course Report 60

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. (..)

Regulation 36

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

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.

Policies 48

Policies Capital Regulation Cards 48

American Banker

SEPTEMBER 16, 2024

Federal Reserve Vice Chair for Supervision Michael Barr conceded major points to the industry on last year's capital reform proposal. But how regulators will approach other reforms in light of that experience is uncertain.

Regulation 45

Regulation Capital Industry Policies 45

Abrigo

JANUARY 19, 2015

The Recession and its subsequent rate of bank failures underscore the need for banks of all sizes to invest in developing a capital plan. The Recession taught many institutions that whatever processes had been in place for managing capital were not sufficient. The result was insufficient capital. Forward-looking review 4.

Capital 150

Capital Analysis Policies Examples 150

BankUnderground

DECEMBER 8, 2021

Reforms following the 2008 financial crisis have led to significant increases in banks’ capital requirements. Profitability determines the opportunity cost of shrinking assets, and underpins the ability to generate capital. Identifying when banks begin to respond to regulatory reforms is a key challenge for policy evaluation.

Regulation 126

Regulation Analysis Capital System 126