Bank Policy Institute

We are a Nonpartisan Public Policy, Research and Advocacy Group, Representing the Nation’s Leading Banks.

The Basel Proposal: What It Means for Retail Lending

This note is one in a series that will focus on how the capital rule proposed by the U.S. federal banking agencies in July 2023 would affect particular markets. The federal banking agencies’ proposed capital rule includes risk weights for the credit risk of consumer cards and other consumer credit products. These risk weights are …

Basel III Accord U.S. Finalization

After the 2008-09 global financial crisis, the Basel Committee on Banking Supervision, the global standard setting body for bank regulation, agreed on a complete overhaul of bank capital standards, known as “Basel III.” Jurisdictions throughout the world, including the United States and Europe, have largely implemented those standards. Generally speaking, Basel III defines minimum bank …

The Basel Proposal: What it Means for Mortgage Lending

This note is the first in a series that will focus on how the capital rule proposed by the U.S. federal banking agencies in July 2023 would affect particular markets. The capital rule proposed by the federal banking agencies establishes risk weights for residential mortgages that exceed both those negotiated by agency staff at the …

The Basel Proposal: What It Means for Retail Lending

Basel III Accord U.S. Finalization

The Basel Proposal: What it Means for Mortgage Lending

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December 2, 2023 BPInsights: December 2, 2023

A Basel Sticking Point: Op Risk Federal Reserve Governor Christopher Waller said he would consider supporting the final Basel capital rule if the proposal’s operational risk element is revamped. “If there’s some willingness to move on operational risk and some other things, there is a possibility that this could be put forward in a revamped …

December 1, 2023 Our Assessment of the Federal Reserve’s Latest Semiannual Supervision and Regulation Report and Some Recommendations for Future Reports

On Nov. 9, the Federal Reserve released its latest semi-annual report on supervision and regulation.[1] These reports are valuable for the insights they provide into trends and developments relating to U.S. bank holding company supervision, about which little other information is available to the public. In this post, we identify some key takeaways from the …

November 20, 2023 Statistics on Collateral Pledged to the Discount Window

The Dodd-Frank Act of 2010 required the Federal Reserve to disclose to the public information on each discount window loan with a two-year lag. In this note we summarize the data on collateral provided in the four most recent available quarters of data – 2020Q4 to 2021Q3. In total, the institutions that borrowed from the …

November 18, 2023 BPInsights: November 18, 2023

Basel Costs Front and Center on Capitol Hill The high price of higher capital requirements raised bipartisan concerns on Capitol Hill this week as top banking regulators – the Federal Reserve’s Michael Barr, OCC Acting Comptroller Michael Hsu, FDIC Chairman Martin Gruenberg and NCUA chief Todd Harper — convened for regular oversight hearings. The hearing …

More Recent Activity

November 8, 2023 The Basel Proposal: What It Means for Retail Lending October 30, 2023 About Excessive Calibration of Capital Requirements for Operational Risk October 12, 2023 The Trillion Dollar Omission in Vice Chair Barr’s Cost Analysis View More Posts

BITS

BITS is the technology policy division of the Bank Policy Institute. BITS provides an executive level forum to discuss and promote current and emerging technology, foster innovation, reduce fraud and improve cybersecurity and risk management practices for the nation’s financial sector.

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Employee Identity and Access Management: A BITS Primer

Cybersecurity: Emerging Challenges and Solutions for the Boards of Financial Services Companies

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November 6, 2023 BITS Hires Greg Williamson as SVP, Fraud Reduction October 31, 2023 Redundant Reporting Stresses Banks’ Cybersecurity Readiness, Warrants White House Review October 31, 2023 BPI and ABA Recommend Office of the National Cyber Director Harmonize Cyber Regulations

RESEARCH

The research department conducts long- and short-term analysis on issues primarily related to bank regulation and supervision with the objective of encouraging welfare-enhancing regulatory change. Our economists conduct academic-level research intended for presentation at conferences and publication in peer-reviewed journals.

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Basel III Accord U.S. Finalization

Financial Stability Considerations for Bank Merger Analysis

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November 20, 2023 Statistics on Collateral Pledged to the Discount Window November 16, 2023 Internal Models Should Be Allowed for Credit Capital Requirements November 9, 2023 Research Exchange: October 2023

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Basel III Accord U.S. Finalization Mergers and Acquisitions Fed Account Access Keep Banking Safe BITS Vulnerability Management Toolkit Fair Access Economic Impact of BPI Members End Anonymous Shell Companies Sheltered Harbor

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