Retire the ‘brokered’ label to focus on real risk
Brokered deposit regulation focuses on an outdated label instead of actual risk. It’s time for Congress to repeal Section 29 ...
Tag: ABA Viewpoint
FDIC updates to drive ‘healthy pipeline’ of de novo banks
After nearly 20 years of stagnant growth, improving the speed and predictability of the federal deposit insurance application process should ...
How an FDIC proposal preserves parity between state, federal banks
Banking across state lines is seamless. Its regulatory treatment should be, too.
Thinking beyond CECL repeal
The current expected credit loss framework should be simplified. There are other ways to improve it, too.
End the static around bank asset thresholds
The past year's progress on indexing regulatory thresholds to inflation or economic growth, on Capitol Hill and at the federal ...
ABA Viewpoint: The Genius Act rules are (almost) here. Here’s what banks should do
The real work for most banks isn't deciding whether or not to become an issuer. It's building the strategy that comes after ...
Proposed tax break for crypto yield could reshape how Americans save
Departing from the key principle of tax parity with crypto activities would not clarify the rules. It would tilt the ...
A simpler CECL
Two practical steps toward simplifying the loan loss accounting standard: anchoring estimates in public data and an enhanced SCALE.
Where community bank CECL costs actually come from
Q factors, validation and audit expectations drive costs for community banks without delivering matching value.
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 ...
