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The Bank Examination Problem, and How to Fix It Bank examination is in an unseen crisis. The examination regime is failing at its core mission and driving good assets and good people out of the banking industry. It is also degrading banks’ ability to support the growth of the U.S. economy. The crisis plays out unseen …
As prepared for delivery: I joined the banking section at the Federal Reserve Board in 1993 right out of grad school where I had studied finance and game theory but not banking. To catch up, my boss sent me to examiner school at the then-new but now notorious FDIC Seidman Center. Among many other useful …
Washington, D.C. — The Bank Policy Institute issued the following statement on today’s GAO report calling for improvements in financial regulatory analyses: The GAO’s report today highlights the need for the Federal Reserve and other banking agencies to base their rules on proper analysis, and to use public notice and comment to improve that analysis. Not only are …
A recent Office of Financial Research brief on “Bank Health and Future Commercial Real Estate Losses” raises important concerns about the banking sector’s exposure to commercial real estate (CRE) risks. However, a closer examination of the data suggests that the brief may be overstating the potential problems, particularly for smaller banks with significant CRE exposure. …
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