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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.
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.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
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 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 October 2007 Karen Krebsbach	Doing the Regulatory Revamp Dance America's bank-regulatory system is once again under the microscope, but for the first time in decades, it is under serious consideration for reorganization.
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
U.S. Banker April 2009 John Engen	The Experiment For Sheila Bair, who had taken the helm of the Federal Deposit Insurance Corp. two years earlier, the IndyMac failure was a defining moment.
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.
HBS Working Knowledge April 23, 2008 Dwight Crane	The Gap in the U.S. Treasury Recommendations U.S. Treasury recommendations for strengthening the regulation of the financial system are a good start but fall short, says Harvard Business School professor emeritus Dwight B. Crane.
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.
Bank Director 1st Quarter 2011 Jack Millligan	Is the Community Bank Business Model Broken? The concept of community banking is still viable, but the model that many small institutions employ has to change.
CFO July 15, 2009 Alix Stuart	Bank Reforms Raise Many Questions Will "lenders" stop lending? Will money funds be moot? Will the Fed's power grow?
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...
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.
U.S. Banker February 2010 Rob Garver	What Now? If Washington really wants to get credit flowing to small businesses, it could modify TARP, relax capital requirements and rethink its stance on industrial loan companies. Or it could do nothing at all.
U.S. Banker August 2008 John Engen	The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks.
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.
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
National Real Estate Investor February 1, 2006 Beth Mattson-Teig	Encore Performance? Mortgage bankers are hoping that 2006 will be a repeat performance of 2005 -- a phenomenal year for commercial and multifamily mortgage originations. But whether those expectations materialize depends largely on interest rates.
U.S. Banker March 2010 Joe Adler	Get Ready for Rising Rates Near-zero interest rates won't last forever, and regulators are warning banks -- particularly those that added long-term assets using short-term funds -- to take steps to manage their risk.
U.S. Banker May 2008 Karen Krebsbach	Plan Draws Lukewarm Response The Treasury Department's proposal to reorganize regulation of the financial-services marketplace drew mixed reviews.
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.
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.
U.S. Banker March 2011 Rob Garver	Sowing Caution Though the ag sector remains strong, regulators are warning banks to avoid concentration risk - a message that is not going over too well.
On Wall Street December 1, 2011 Peter J. Wallison	Volcker Rule: A Throwback To A Bygone Era The Volcker Rule, enacted as part of the Dodd-Frank Act in 2010, has lately received a lot of adverse commentary.
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.
The Motley Fool April 14, 2008 Anand Chokkavelu	Why Paulson's Plan Works Saluting the Secretary of the Treasury's proposed overhaul of financial institution regulations.
Reason January 2009 Michael Flynn	Anatomy of a Breakdown Concerted government policy helped trigger the financial meltdown -- and will almost certainly extend it.
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.
BusinessWeek May 20, 2010 Schmidt & Mattingly	A Wall Street Sheriff with Fewer Bullets The FDIC's Bair is losing out to the Fed in the regulatory overhaul
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.
On Wall Street June 1, 2011 Lorie Konish	Five Questions With Phil Angelides A conversation with Financial Crisis Inquiry Chairman Phil Angelides about the report's findings and how they can help shape the industry's future.
Commercial Investment Real Estate Jul/Aug 2013 Elizabeth Braman	2013 Midyear Financing Report With an abundance of available capital, the first half of 2013 showed plenty of healthy competition to finance commercial real estate. Will this trend continue?
HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
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.
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.
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.
FDIC FYI November 5, 2003	Financial Education in a Dynamic Banking Environment While consumer credit is more available than ever, technological advances and an array of new consumer products and services have made modern banking more complex. In this arena, it is more important than ever for consumers to be educated about their rights and options regarding financial offerings.
Knowledge@Wharton	Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved.
Bank Systems & Technology May 28, 2009 Maria Bruno-Britz	U.S. Banking Sector One Step Closer to Super Regulator Reports indicate that plans may be in the works to consolidate the current array of financial services regulatory agencies into one body.
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.
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...
U.S. Banker January 2009 Joseph Rosta	The Industry's New Year's Resolutions Here are five things the banking industry should consider to dig out of this recessionary ditch stronger than before.
U.S. Banker December 2009 Glen Fest	CFPA: Exemption in Name Only? As details emerged on an amendment to exempt small banks from exams by the proposed consumer financial protection regulator, some have begun to question what exactly these second- and third-tier banks have won.
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.
U.S. Banker August 2009 Alan Kline	Abolishing the OTS Could Raise Capital Concerns A case could be made that eliminating the Office of Thrift Supervision might spook investors and, in turn, limit the institutions capital-raising options.
U.S. Banker June 2006 Lee Conrad	Banks Vent Rage Over Commercial RE Loan Rule Banks, in an uproar over regulators' proposal that warns those with high concentrations of commercial real-estate loans may have to raise their capital reserves, worry that new regulations will eat into their bottom line.
BusinessWeek March 19, 2007 Peter Coy	Under The Fed's Hammer How Fed rate hikes have turned into a regressive tax on weak borrowers.
Commercial Investment Real Estate Mar/Apr 2012	Capital Markets 2012 Many economic issues converged late last year to slow commercial real estate's recovery.