178 posts on "Banks"
April 11, 2016
Supervising Large, Complex Financial Institutions: Defining Objectives and Measuring Effectiveness
Last month the New York Fed held a conference on supervising large, complex financial institutions. The event featured presentations of empirical and theoretical research by economists here, commentary by academic researchers, and panel discussions with policymakers and senior supervisors. The conference was motivated by the recognition that supervision is distinct from regulation, but that the difference between them is often not well understood. The discussion focused on defining objectives for supervising the large, complex financial companies that figure so prominently in our financial system and ways of measuring how effectively supervision achieves these goals. This post summarizes the key themes from the conference and introduces the more in-depth posts that will follow in this blog series.
April 6, 2016
Bank Regulation and Bank Complexity
U.S. Bank Holding Companies (BHCs) currently control about 3,000 subsidiaries that provide community housing services—such as building low-income housing units, maintaining shelters, and providing housing services to the elderly and disabled.
March 7, 2016
Banking Deserts, Branch Closings, and Soft Information
U.S. banks have shuttered nearly 5,000 branches since the financial crisis, raising concerns that more low-income and minority neighborhoods may be devolving into “banking deserts” with inadequate, or no, mainstream financial services.
Posted at 7:00 am in Banks, Crisis, Financial Institutions, Household Finance, Regulation | Permalink
November 30, 2015
U.S. Banks’ Changing Footprint at Home and Abroad
Linda Goldberg and Rose Wang investigate changes in bank holding company (BHC) geography, especially the rising share of BHC affiliates in tax havens and financial secrecy jurisdictions.
October 2, 2015
Crisis Chronicles: Defensive Suspension and the Panic of 1857
Sometimes the world loses its bearings and the best alternative is a timeout.
September 28, 2015
Same Name, New Businesses: Evolution in the Bank Holding Company
When we think of banks, we typically have in mind our local bank branch that stores deposits and issues mortgages or business loans.
June 22, 2015
Becoming a Large Bank? It’s Not Easy
Rajlakshmi De and Hamid Mehran Size is usually seen as the leading indication of the costs that a bank failure would impose on society. As a result, the Dodd-Frank Act of 2010 requires banks to have adequate capital and liquidity to mitigate default risk and imposes additional requirements on larger banks to enhance their safety. […]
February 11, 2015
Available for Sale? Understanding Bank Securities Portfolios
It’s natural to think of banks as intermediaries that take in deposits and use them to make loans to businesses and individuals.
January 5, 2015
Worker Flows in Banking Regulation
In the aftermath of the 2008 financial crisis, job transitions of personnel in banking supervision and regulation between the public and private sectors—often labeled the revolving door—have come under intense scrutiny and have been blamed by certain economists (Johnson and Kwak), legal scholars (John Coffee in the Financial Times), and policymakers (Dodd-Frank Act of 2010, Section 968) for distorting regulators’ actions in favor of banks.
October 15, 2014
How Do Liquidity Conditions Affect U.S. Bank Lending?
he recent financial crisis underscored the importance of understanding how liquidity conditions for banks (or other financial institutions) influence the banks’ lending to domestic and foreign customers.
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