Loan Think

This is a good time for bank risk managers and bank regulatory examiners to evaluate the effects of a deepening retail crisis on the financial services sector.

Some believe that increased bank regulation is to blame for overall slower growth in commercial and industrial loans. Yet that assessment misses some important details.

Congressional action to reform housing finance is ultimately needed, but we must confront the risk of continued drift and inaction if Congress is unable to act.

Congressional action is necessary to give financial regulators the tools they need to promote responsible innovation.

Upcoming changes to how banks report mortgage activity to the government will have an undeniable impact on Community Reinvestment Act exams, but regulators have been silent on how they will use the data.

The Financial Stability Oversight Council is masquerading as an analytical, objective body that more accurately reflects the Dodd-Frank Act's aim to expand the power of bureaucrats.

Robotics and other forms of intelligent automation is already helping lenders and servicers increase capacity and redeploy staff to more customer-centric tasks.

Efforts at regulatory reform often ignore the source of what led to the overregulation in the first place: the legislative process.

One credit union leader is urging Acting NCUA Chairman McWatters to go to bat for more sensible mortgage rules coming out of the CFPB.

Suspending Fannie Mae and Freddie Mac's regular dividend payments to the Treasury, thus enabling the companies to replenish their reserve capital, would put their future on better footing.