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U.S. Banker May 2007 Thomas P. Vartanian |
Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate. |
U.S. Banker July 2011 Phil Angelides |
Four Steps to Reinvent the Financial Industry Have we learned the lessons of the financial crisis? The answer lies somewhere between no and not enough, says the author, who is a former chairman of the Financial Crisis Inquiry Commission. |
Bank Systems & Technology June 24, 2008 Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
HBS Working Knowledge September 29, 2008 Martha Lagace |
Financial Crisis Caution Urged by Faculty Panel Dean Jay O. Light and a group of Harvard Business School faculty explored the origins and possible outcomes of the U.S. financial crisis at a recent "Turmoil on the Street" panel. |
Registered Rep. March 1, 2008 Kristen French |
The Lending Squeeze The tightening credit conditions is causing some financial advisors to have trouble getting loans for clients. |
Bank Systems & Technology June 18, 2009 Maria Bruno-Britz |
The Financial Industry Reacts to Obama Regulatory Proposal Although most agree with the general principles outlined in the President's financial reform plan, they find several sticking points -- and IT won't be immune. |
Bank Director 1st Quarter 2011 Jack Milligan |
In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry. |
Finance & Development September 2009 Randall Dodd |
Overhauling the System The United States is proposing the most radical reform of financial regulation since the New Deal. |
FDIC FYI March 28, 2002 |
Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders... |
The Motley Fool March 24, 2011 Gretchen Wilmoth |
Investing in Smaller Banking What affects will new regulations have on smaller banks? |
FDIC FYI February 7, 2002 |
Subprime Mortgage Lending Faces the Test of a Slowing Economy Entry by FDIC-insured institutions into subprime lending as a targeted line of business was largely a phenomenon of the 1990s. These lending programs are now being tested by recession, in most cases for the first time... |
U.S. Banker July 2009 Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened. |
BusinessWeek April 7, 2011 Karen Weise |
Banks 'Too Big to Fail' Could Get Bigger Federal agencies putting mortgage and derivative reforms into force are writing rules that seem to have a big-bank bias. |
HBS Working Knowledge September 22, 2014 Karen Mills |
Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth. |
Investment Advisor September 2008 Melanie Waddell |
Turf Wars A conversation with former SEC Commissioner Roel Campos about the Treasury's Blueprint for financial services reform. |
U.S. Banker July 2010 |
Why We Don't Need Any More Bank Charters Unless bank organizers can make a compelling case that consumers and business owners aren't being served by existing banks, regulators should continue to clamp down on new charters. |
HBS Working Knowledge July 21, 2010 |
HBS Faculty Debate Financial Reform Legislation What do Harvard Business School faculty experts who conduct research on financial markets and regulation and who, in many cases, have held leadership positions in the financial sector, think about the bill and its intended (and unintended) consequences? |
The Motley Fool November 26, 2008 Alex Dumortier |
The $800 Billion Pick-Me-Up for Consumer Credit The central bank announces an $800 billion support package aimed at spurring mortgage lending and consumer credit, including car, credit card, and small business loans. |
National Real Estate Investor May 1, 2008 Ben Johnson |
Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators. |
The Motley Fool March 26, 2007 David Lee Smith |
Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing. |
U.S. Banker May 2009 Michael Sisk |
The Repercussions of Reform After months of Congressional hearings, debates and some hysterics, only the broadest outlines of the new banking regulatory regime have emerged. |
National Real Estate Investor February 1, 2007 Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
CFO August 1, 2012 Randy Myers |
Unfinished Business Two years after the passage of the Dodd-Frank Act, the law's implementation is far behind schedule, and its success is still in doubt. |
On Wall Street September 1, 2012 |
Five Questions with Stephen Brobeck The executive director of Consumer Federation of America discusses boosting financial literacy and the Dodd-Frank law. |
U.S. Banker August 2008 William M. Aukamp |
Real-Estate Trouble: It's DeJa Vu It seems that periodically banks get clobbered by the real-estate market. Given the periodic problems in real-estate lending, perhaps banks should consider having a real estate professional on the board. |
On Wall Street June 1, 2012 Kevin Wack |
13 Financial Regulation Questions For Romney Mitt Romney has participated in 23 debates and sat for scores of interviews since launching his campaign for president, but nearly a year later, he's still maddeningly vague about his views on financial policy. |
HBS Working Knowledge June 22, 2009 Roger Thompson |
"Too Big To Fail": Reining In Large Financial Firms The federal government should slap tough new regulations on all firms that pose "systemic risk" - the risk that a failure of one institution could wreak havoc across the entire financial system. |
FDIC FYI April 11, 2002 |
Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter... |
The Motley Fool May 15, 2007 Dan Caplinger |
Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you. |
The Motley Fool August 10, 2006 Dan Caplinger |
How the Fed Affects You Federal Reserve decisions about interest rates trickle down to everyone. |
U.S. Banker May 2010 Michael Sisk |
An Uneasy Relationship Thanks to some high-profile community bank failures, small banks can t get loans from correspondent banks, threatening their own ability to lend. |
Bank Director 1st Quarter 2010 Jack Milligan |
A Look at the Hill and Beyond Steve Bartlett, head of a financial services lobbying group, talks about political gyrations in Congress and the concerns all banks ought to be having about the impact of banking reform on the U.S. economy. |
Bank Systems & Technology June 24, 2008 Thompson & Mataconis |
Banks Must Rely On Their Own Risk Models in Future Long-term, it's clear that banks will have to provide more transparency into their credit and risk decisions -- and do a lot more of the work themselves. |
Finance & Development June 2009 |
The Perfect Storm The IMF's Chief Economist explained in a November 2008 lecture how a crisis that began in mortgage-backed securities turned into the worst recession since the 1930s. |
HBS Working Knowledge August 28, 2014 |
Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth. |
CFO November 1, 2010 Vincent Ryan |
Making Sense of Bank Reform The Dodd-Frank Act is arguably as inscrutable as the institutions and instruments it is supposed to fix. |
BusinessWeek March 31, 2011 David J. Lynch |
The Fed Partially Lifts the Veil on Its Discount Window As the Fed insists on better risk management by banks, pressure may grow for it to release timely data on discount window lending. |
BusinessWeek January 13, 2010 Paul Barrett |
The FCIC Should Swiftly Summon Alan Greenspan Financial reform might take on new life if the former Fed chairman were to admit his and the system's failings in plain English. |
The Motley Fool January 28, 2011 Morgan Housel |
Financial Crisis: The Greatest Hits The Financial Crisis Inquiry Commission's report, two years in the making, is a 623-page tome of everything you could ever want to know about the financial crisis. |
U.S. Banker September 2008 John Engen |
Future Shock Where to start when trying to figure out how the banking industry got into the mess it's in today? And where, exactly, do we go from here? |
U.S. Banker January 2010 Steven Sloan |
The Most Powerful Regulator You Don't Know The New York Fed's Bill Dudley oversees the nation s largest banks and is responsible for the Fed's myriad liquidity programs. His biggest jobs lie ahead, though. |
U.S. Banker March 2008 John Engen |
The Politics of Lending Sen. John McCain took time to present his vision of a world with simplified mortgage applications, and even suggested that the government might need to jump in to help mitigate the worsening crisis. |
FDIC FYI January 29, 2003 |
Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe. |
BusinessWeek September 3, 2007 Peter Coy |
It's Out Of Bernanke's Reach There's little the Fed can do about the information gap behind investors' panic. |
Finance & Development December 1, 2007 Randall Dodd |
Subprime: Tentacles of a Crisis The mortgage market turbulence is as much about the breakdown of the structure of U.S. financial markets as it is about bad debt. |
The Motley Fool October 9, 2006 Dan Caplinger |
Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers. |
Investment Advisor October 2007 Jason Brady |
Bottleneck While driven by fundamental weakness in U.S. real estate, in particular subprime loans, the current liquidity crisis has become a general lack of confidence in banking and financial institutions globally. |
The Motley Fool October 12, 2007 Dan Caplinger |
Where's the Consumer Credit Crunch? Housing may be slowing, but borrowing is moving full speed ahead. Last month, figures for both revolving credit, such as credit card debt, and non-revolving debt, like car and student loans, rose. |
The Motley Fool July 16, 2010 Ilan Moscovitz |
Will This Stop the Next Financial Armageddon? What key measures in the 2,322-page financial reform bill actually matter, and will they stop the next financial Armageddon? |
CFO June 15, 2012 Vincent Ryan |
Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers. |