Editor's Note: This publication is posted on a rolling schedule and content will be added throughout the quarter.
Board Proposes Steps to Strengthen Regulation of Big Banks
The Fed has proposed strengthening regulation and supervision of large bank holding companies and systemically important nonbank financial firms. The proposals address issues of capital, liquidity, credit exposure, stress testing, risk management, and early remediation requirements.
Atlanta Fed's Lockhart Shares Views on Economy, Risks in 2012
The U.S. economy should grow moderately in 2012, but that forecast is subject to risk from Europe, said Atlanta Fed President Dennis Lockhart during a recent speech. In his outlook for the upcoming year, he said he expects "decently behaved" inflation and continuing progress on unemployment.
Fed Gov. Tarullo Describes Goals of Dodd-Frank Implementation
During recent congressional testimony, Fed Governor Daniel Tarullo described the progress made implementing the Dodd-Frank act, although he cautioned lawmakers that much work lies ahead for the agencies involved in the law's implementation.
Agencies Release Annual CRA Adjustments
Recently, the federal bank regulatory agencies announced the annual adjustment to the asset-size standards used to determine how small and medium-sized financial institutions are examined with regard to the Community Reinvestment Act.
Fed Announces Annual Capital Review of Biggest Banks
The Fed recently issued a rule requiring the nation's largest bank holding companies to submit annual capital plans for review. Institutions with at least $50 billion in consolidated assets will undergo review for capital adequacy.
Fewer Banks Eased Lending Standards in Third Quarter, Fed Says
A new Federal Reserve survey indicated that fewer banks eased standards and terms on loans to businesses in the third quarter. Only a small share of surveyed banks reported easing standards on commercial and industrial loans, citing an uncertain economic outlook as a reason.
Stronger Capital Standards a Start, but More Work Needed, Says Fed Gov. Tarullo
Although progress is taking place on proposed capital and liquidity rules aimed at preventing another financial crisis, Federal Reserve Governor Daniel Tarullo recently said U.S. and international regulators must address pressing issues that remain.
Vice Chair Yellen Explains Fed's Role in Financial Stability
Federal Reserve Vice Chair Janet Yellen recently discussed macroprudential regulation—a means to achieving financial stability by reducing systemic risk—and the implementation of processes for identifying and responding to sources of systemic risk in the financial system.
Fed Opens Comment Period on Volcker Rule
The Fed recently requested public comment on a proposal implementing the "Volcker Rule." The rule would bar some financial firms from engaging in certain activities and from owning, sponsoring, or having certain relationships with a hedge fund or private equity fund.
Fed, FDIC Issue "Living Will" Rule
The Fed and the FDIC have issued a rule implementing the "living will" requirements of the Dodd-Frank reform act. The rule requires certain financial companies to submit plans for rapid and orderly resolution in bankruptcy during times of financial distress.
Lockhart: Trust Vital to Financial System
In the wake of the 2008 financial crisis and the ensuing recession, there's work ahead for regulatory authorities and financial firm managers in rebuilding public trust in the financial system. Atlanta Fed CEO Dennis Lockhart recently addressed the role of trust in the system.
Fed Chair Bernanke: Crisis Is Changing Central Banking
The global financial crisis and recession that followed caused central banks worldwide to broaden the set of tools they use to implement monetary policy, Federal Reserve Chairman Ben Bernanke said in a recent speech.
Atlanta Fed's Lockhart: Policy Actions Should Be Viewed in Total
In a recent speech, Atlanta Fed President Dennis Lockhart addressed the Federal Reserve's latest measures aimed at lowering long-term interest rates and supporting mortgage markets. He said the moves should be seen as part of a broader strategy to promote economic recovery.
"ViewPoint," the quarterly report from the Atlanta Fed's supervision and regulation division, presents the most recent data about banking conditions in the Southeast and nationally. This quarter's report includes information about small business lending, real estate lending, earnings performance, liquidity, and more.
National Banking Trends
State of the District
Spotlight: Non-CRE Lending
Spotlight: Small Business Lending