Bank Policy Institute

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

Why Recent Federal Court Decisions in California Help to Preserve Consumer Access to Credit

The secondary loan market is critical to ensuring a healthy and competitive lending market in the U.S.; recent court decisions will help preserve that market, with the net benefits flowing to every consumer and business looking for a loan. Banks, like any other lender, make loans that carry fixed or floating interest rates and other …

Financial Stability Considerations for Bank Merger Analysis

Since enactment of the Dodd-Frank Act in 2010, the federal banking agencies have been required by statute to consider risks to financial stability when evaluating proposed bank mergers and acquisitions.[1] The agencies have not issued regulations to define an approach to evaluating financial stability effects but have discussed the financial stability factors in public orders …

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

Why Recent Federal Court Decisions in California Help to Preserve Consumer Access to Credit

Financial Stability Considerations for Bank Merger Analysis

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

The Latest

June 25, 2022 BPInsights: June 25, 2022

Stories Driving the Week Banks Show Strength in Stress Tests The annual DFAST 2022 stress test results released this week demonstrate that large U.S. banks are highly resilient in the face of an extreme stress scenario. Despite the sharp deterioration in economic and financial conditions assumed in this year’s stress test scenario, banks still had …

June 23, 2022 Bank, Credit Union and Consumer Groups Support Committee Vote to Close the Industrial Loan Company Loophole

Washington, D.C. – The U.S. House Committee on Financial Services convened today to mark up a series of proposed laws, including a bill to close the industrial loan company (ILC) loophole. The ILC loophole allows Big Tech and other nonbank companies to offer financial products and services without complying with the safeguards and oversights required …

June 23, 2022 BPI Statement on the Federal Reserve’s Release of the 2022 Stress Test Results

Washington, D.C. — Bank Policy Institute Executive Vice President and Head of Research Francisco Covas issued the following response to the Federal Reserve’s release of the 2022 stress test results: The annual DFAST 2022 stress test results released today demonstrate that large U.S. banks are highly resilient in the face of an extreme stress scenario. Despite …

June 23, 2022 BPI Statement on Rep. McHenry’s Draft Bill on Privacy and Financial Institutions

Washington, D.C. — Bank Policy Institute Head of Government Affairs Ed Hill issued the following statement on a draft privacy bill released today by House Financial Services Committee Ranking Member Patrick McHenry (R-NC). The Bank Policy Institute welcomes draft legislation released today by House Financial Services Committee Ranking Member Patrick McHenry (R-NC) to update the federal privacy …

More Recent Activity

June 23, 2022 BPI Statement on the Federal Reserve’s Release of the 2022 Stress Test Results June 14, 2022 BankThink: To Serve Communities, Banks Need the Ability To Grow May 26, 2022 Any Major Revamp of Bank Resolution Plan Requirements Should be Done Only Through Rulemaking 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.

Featured

Employee Identity and Access Management: A BITS Primer

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

Latest

May 27, 2022 Why Is Quantum Computing Attracting So Much Attention? May 10, 2022 Financial Trades Comment on SEC Cybersecurity Risk Management, Strategy, Governance and Incident Disclosure Requirement Proposal May 10, 2022 Financial Trades Support Modified SEC Cyber Incident Disclosure Proposal to Aid Law Enforcement and Support Remediation Efforts

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.

Featured

Obstacles to Household Financial Inclusion: Do Branch Accessibility and Bank Size Matter?

Financial Stability Considerations for Bank Merger Analysis

Latest

June 23, 2022 BPI Statement on the Federal Reserve’s Release of the 2022 Stress Test Results June 16, 2022 Potential Costs Of Banning Capital Distributions By Banks In Bad Times May 24, 2022 How To Measure The Change In Financial Stability Risk Resulting From A Merger: Some Technical Considerations.

Our Projects

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

View All Projects