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We are a Nonpartisan Public Policy, Research and Advocacy Group, Representing the Nation’s Leading Banks.
Stay up to date on everything BPI:
NDAA Requirements Will Improve Fed Account Transparency, but the Fed Should Go Further

Washington, D.C. – The Bank Policy Institute submitted a letter today to the Board of Governors of the Federal Reserve calling for it to go beyond the minimum requirements established in the 2023 National Defense Authorization Act (NDAA) for improving transparency around access to Federal Reserve master accounts and services. The NDAA requires the Board …

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Online Fraud Is Real, But Zelle is a Safe Harbor, Not the Problem

Washington, D.C. – Payments fraud received significant attention at the recent congressional hearings featuring the seven largest retail banks. The focus was on Zelle because the witnesses were bank CEOs but, for any real discussion of online fraud, the focus belongs elsewhere. Contrary to some recent accusations: Zelle is the safest peer-to-peer network. The share …

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Mergers and Acquisitions – Preserving Competition in U.S. Markets

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NDAA Requirements Will Improve Fed Account Transparency, but the Fed Should Go Further
Online Fraud Is Real, But Zelle is a Safe Harbor, Not the Problem
Mergers and Acquisitions – Preserving Competition in U.S. Markets

The Latest

January 28, 2023 BPInsights: January 28, 2023

Basel Will Soon Be Finalized. Here’s How It Began U.S. bank regulators will soon propose rules implementing the 2017 revisions to the international Basel capital accord. The implications will be significant — for U.S. banks, their customers and the U.S. economy. This week, BPI launched a new analysis series exploring the key questions ahead as …

January 26, 2023 Some of the Many Ways Banks Keep Zelle Customers Safe

BPI published a new infographic today outlining examples of just some of the many safeguards banks employ to protect Zelle users. These measures include secure access and encryption, customer authentication, account health monitoring and transaction alerts and verification. To learn more about Zelle and how to avoid common scams, please click here. ### About Bank Policy …

January 25, 2023 BPI Supports Innovation, Competition and Protection of Consumer Data in Section 1033 Rulemaking

Washington, D.C. – BPI commented today on the Consumer Financial Protection Bureau’s Outline of Proposals addressing consumer data portability. This is part of an effort to implement Section 1033 of the Dodd-Frank Act, which seeks to establish a framework under which consumers can authorize third parties to safely collect their personal financial data subject to …

January 24, 2023 Basel Finalization: The History and Implications for Capital Regulation – Part 1

In his inaugural speech as the new Federal Reserve Vice Chair for Supervision, Michael Barr said that releasing a proposal to implement the 2017 reforms to the Basel III capital framework is one of his key priorities. These changes are called the “Basel Finalization” package in this post. In that same speech, Barr also announced …

More Recent Activity

January 24, 2023 Basel Finalization: The History and Implications for Capital Regulation – Part 1
January 20, 2023 New Large Bank Resolution Requirements Would Be Costly and Unnecessary
December 1, 2022 Against What Liquidity Risks should a Bank Self-insure?
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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.

About Us Affiliate Members BITS Vulnerability Management Toolkit Cyber Risk Institute Sheltered Harbor

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Employee IAM cover 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 15, 2022 Financial Trades Call for Accessible, Functional and Simple Cyber Incident Reporting Rules November 14, 2022 Financial Trades Respond to CISA Request for Information on Cyber Incident Reporting October 28, 2022 Haunted by Quantum Computing? Face your Fears with the BITS Quantum Risk Calculator
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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.

About Us New Report: Basel III Accord U.S. Finalization Research Exchange Request Interview

Featured

Basel Finalization: The History and Implications for Capital Regulation – Part 1
Financial Stability Considerations for Bank Merger Analysis

Latest

January 24, 2023 Basel Finalization: The History and Implications for Capital Regulation – Part 1 January 18, 2023 The Role of Credit Card Late Fees in Encouraging Timely Repayment Is Essential to Efficient Functioning of the Market December 1, 2022 Against What Liquidity Risks should a Bank Self-insure?
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Our Projects

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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  • About Us
    • Overview
    • Membership
    • Leadership
    • Our Team
    • About BITS
    • About the Research Team
    • Careers
    • Contact Us
  • Issues
    Topics
    • AML, Bank Secrecy Act and Sanctions
    • Bank Activities and Structure
    • Bank Capital and Stress Testing
    • Bank Liquidity
    • Climate
    • Consumer Affairs
    • Digital Assets
    • Diversity and Inclusion
    • FinTech & Innovation
    • Mergers and Acquisitions
    View All Issues
    Issues in Focus
    Latest Projects
    • Basel III Accord U.S. Finalization
    • Diversity and Inclusion
    • Fed Account Access for Nonbanks
    • Central Bank Digital Currency
    • Economic Impact of BPI Members
    • FinTech, Big Tech and the Safety of the Banking System
  • Events
  • Projects
    • Basel III Accord U.S. Finalization
    • America’s Large Banks: Foundation of Free Enterprise
    • Mergers and Acquisitions
    • Diversity and Inclusion
    • Keep Banking Safe
    • Economic Impact of BPI Members
    • End Anonymous Shell Companies
    • Fed Account Access for Nonbanks
    • Sheltered Harbor
  • Resources
    • Comment Letters
    • Congressional Letters
    • One-pagers
    • Reports and Research Notes
    • Testimonies
    • All Recent Content
  • Press
    • Media Contacts
    • Press Releases
    • Newsletters
    • Research Exchange
    • Op-Eds & Highlights
    • Multimedia Gallery
  • Blog