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Addressing Issues in an Independent, Measured and Intellectually Rigorous Way

A Distinctive Legacy

Throughout its 165-year history, The Clearing House has maintained a deep legacy and tradition of constructively engaging with regulators, policymakers, and the academic community on the key issues affecting the country’s largest commercial banks and the financial system at large.  Prior to the formation of the Federal Reserve, The Clearing House served as a de facto central bank, developing rules, engaging in bank supervision, and revolving financial crises.  Today, building on this legacy, The Clearing House takes an informed, thoughtful and data-driven approach to engaging with policymakers and regulators on the policy and regulatory issues affecting the country’s largest commercial banks.

A Core Membership and Focused Mission

With a membership comprised of 25 of the largest commercial banks with a U.S. presence, The Clearing House is unique among financial trade groups for its sole focus on issues corresponding to large-scale commercial banking. Through its work, The Clearing House advocates for a legal and regulatory framework that promotes systemic stability, economic growth, a safe and sound banking system, and a level playing field among situated market participants.  To engage in the ongoing policy and regulatory dialogue, The Clearing House forms strong consensus positions among its members on issues vital to the country’s largest commercial banks.

An Analytical, Data Driven Approach

Driven by deep regulatory expertise and an internal research function, The Clearing House often takes a lead industry role in addressing complex regulatory and policy matters.  The Clearing House’s approach to advocacy and commentary is always analytical and empirically-driven, predicated on data aggregation and original research.