Resources for Banks
Here, you will find regulatory resources for banking institutions only (note—some resources may apply to both banks and credit unions).
You can use the search box at the top of the page to view and identify specific resource content—as well as additional information throughout the site—by subject matter.
Videos of Interest (for Banks)
Thom walks us through the Community Bank Leverage Ratio threshold which has been proposed as an addition to May 2018’s Economic Growth, Regulatory Relief, and Consumer Protection Act. He urges you to consider the implications this could have on strategic planning for your institution.
Bart introduces the highly anticipated PT Score™ Simulator, a tool that allows users to instantly forecast the impact of future decisions within a risk management construct. He walks through its key capabilities and how it fits into the broader risk management framework.
Rich Berg explains how the impacts of dramatically different systems are affecting the markets around us. Specifically, he discusses the following systems: open systems vs. closed systems; mostly open vs. mostly closed systems; Mediocristan vs. Extremistan; and time horizon and the Performance Trust methodology.
Bart Smith discusses noteworthy regulatory updates for banks and credit unions. With the Financial Choice Act (FCA) moving through Congress, new provisions have been added and should be reviewed by your institution. Bart Smith addresses the concerns surrounding new proposals and the potential impacts that the changes might have on community financial institutions. Considering the long-term outlook and potential ramifications of the new legislation, it’s important to reach out to your elected official to discuss the new policy.
Articles of Interest (for Banks)
While relief from the burden of managing risk-based capital positions may sound appealing, the new Community Bank Leverage Ratio as directed by May 2018’s Economic Growth, Regulatory Relief, and Consumer Protection Act could create strategic constraints for community financial institutions. Bart Smith, Managing Director, provides commentary on the implications and potential strategies to consider when adopting this new standard and what it means for your institution’s long-term success.
Financial Choice Act UPDATE: Additional information regarding the Domestic Deposit Cap Exemption in Title I
As follow-up to the March 2017 Level Playing Field® webinar, we sent a summary written by Bart Smith regarding Title I of the Financial Choice Act, so you could use it as a template when reaching out to Senators. Now, Bart has put together an update based on recent findings and further discussions with Washington.
While having a higher leverage requirement for the largest organizations is not a bad idea, Title 1 of the Financial Choice Act undermines long-standing, competitive restrictions on the industry and provides a broad pathway for massive consolidation and even larger national companies.
The rate rise over the last year has led many depository institutions to consider transferring securities to “Held to Maturity” (HTM). Former regulator Bart Smith thoroughly discusses the many factors one must consider and evaluate before deciding on whether to take this virtually-impossible-to-reverse step.