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Banking regulation doesn't need to mimic the hyper-partisan nature of today's politics. A balanced FDIC board would confer legitimacy on any efforts by the Trump administration to overhaul financial-services regulation.
February 18
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An overhaul of the bank regulatory system is past due, but the urge to start tearing up the rule book must be resisted in favor of precision and the thoughtful application of some basic principles.
February 17
Ludwig Advisors -
A proposal to tie cancellation of private mortgage insurance policies to automated valuation models would add unnecessary risk to mortgage portfolios and would result in less, not more, affordable housing.
February 14
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The rule requiring businesses to report their beneficial ownership is deeply flawed. Enforcement should be suspended until it can be revised to place fewer burdens on law-abiding people and companies.
February 13
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The Trump administration has taken the first steps toward turning the U.S. into the world's crypto "capital" — but is it willing to go all the way?
February 12
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The government-sponsored enterprises were not meant to remain in conservatorship permanently, but privatizing them once again must include a new set of rules that minimize market disruptions and maximize their focus on making homeownership affordable.
February 11
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After nearly 10 years of banking my business, BofA debanked it because of overzealous anti-money-laundering enforcement. The Trump administration must bring back common sense to Bank Secrecy Act compliance.
February 10
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By repealing the Biden administration's artificial intelligence safety guidelines, President Trump has created a chance for the banking industry to demonstrate that it can be a leader in protecting consumers.
February 7
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The time is ripe for Congress and the president to shrink the Federal Deposit Insurance Corp.'s board of directors back down to its original three members, removing the Consumer Financial Protection Bureau's seat.
February 6
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The reality of banking is that some customers are riskier and more labor-intensive than some banks want to tolerate. If Congress doesn't like where banks draw the line, it needs to understand what moving it will entail.
February 5
