Regulators examine banks’ financial health and assign them ratings. A key framework for bank ratings, known as CAMELS, assesses banks on six metrics: Banks are rated on each component from 1 (“strong”) to 5 (“critically deficient”), then the bank is assigned an overall composite rating.[1] The Problem: In theory, CAMELS ratings should reflect an accurate …

Washington, D.C. – Banking regulators’ proposal to reform CAMELS ratings would make significant improvements, but further structural reforms would fully align CAMELS ratings with a bank’s financial condition, BPI said in a comment letter today.  What’s Happening. The Federal Financial Institutions Examination Council, an interagency regulatory body, recently proposed revisions to the Uniform Financial Institutions Rating …

Ladies and Gentlemen: The Bank Policy Institute supports the efforts of the Federal Financial Institutions Examination Council to revise the Uniform Financial Institutions Rating System, commonly referred to as CAMELS, to better focus ratings on material financial risks that may pose safety and soundness concerns.[1] The proposal includes necessary changes that would better rationalize the …

1) Spoofing, Smishing and Deepfakes: To Stop Scams, Consumers Need Stronger Protections Feb. 24, 2026 Americans’ savings are at risk as never before as new, technology-driven fraud and scams are surging across the U.S. Phone scams have become part of everyday life for American consumers, and they’re becoming more sophisticated and convincing, boosted by AI …