CECL’s true costs come into focus
A decade after its release, the current expected credit loss methodology has delivered added costs without corresponding benefits for community ...
Tag: ABA Viewpoint
National bank preemption and the integrity of the U.S. payments system
At stake is more than a single fee. It is the continued integrity of a national banking system that supports ...
Tokenized deposits: the future of tokenized money for financial market settlement
For settlement activities, tokenized deposits offer banks the benefits of programmability without the limitations of payment stablecoins.
How the Durbin Amendment hurt consumers — and why expanding it would hurt more
New research from a one-time Durbin defender shows debit card interchange fee caps distorted the payments ecosystem and failed to ...
Bank capital policy is economic policy
Tackling affordability starts with the cost of credit — and future capital rules can help.
An end to CECL double-counting gives a tailwind to bank M&A
FASB’s long-anticipated fix to the current expected credit loss standard
The brokered deposit statute is out of sync with today’s financial marketplace
Congress should repeal Section 29 of the Federal Deposit Insurance Act and replace it with a targeted asset-growth restriction for ...
Accelerating collateral velocity
How to improve coordination between the Fed and the Federal Home Loan Banks to ensure seamless liquidity management.
In defense of clarity on preemption
The OCC’s new leadership is right to uphold our robust tradition of national bank preemption.
ABA Viewpoint: Indexing for stability
The FDIC’s recent proposal to index key asset thresholds is a long-overdue step toward modernizing a regulatory framework that has ...
