Main Content

Supervision and Enforcement

  • Reforming Our Regulatory Structure: Dodd-Frank’s Missed Opportunity

    Richard Neiman, and Mark Olson

    The U.S. financial system remains too fragmented, with gaps in regulation that contribute to systemic risk. A more modern financial regulatory architecture should be considered – one in which regulatory agencies have clearer mandates, are better empowered to perform their regulatory functions, are more focused on truly systemic risks, and are more clearly committed to international coordination with regulatory counterparts.
  • Unwritten Rules: The Importance of a Strong Risk Culture

    Thomas J Curry

    Sound organizational risk management and risk culture are critical to ensuring the maintenance of the broader safety and soundness of the banking system. While recent regulations put the nation’s largest banks on a path to prudent risk management, internal controls are no stronger than the culture that surrounds them.
  • My Perspective

    John Dugan

    John Dugan of Covington & Burling argues that the OCC’s finalized heightened standards guidelines are important not only because they will raise the bar for risk management and governance practices at large banks but also because they will establish an important precedent likely to be emulated by regulators across the globe.
  • Section 165 Revisited: Rethinking Enhanced Prudential Regulations

    Andrew Olmem

    An exploration of the legislative history of §165 of Dodd-Frank offers insight into the original aims of enhanced prudential regulation. Can the recalibration of enhanced prudential regulations not only result in better regulation but also more accurately reflect the original purposes of §165?
  • TCH Regional Bank Roundtable

    TCH Staff

    Executives from Capital One, Comerica, Fifth Third, KeyBank, and U.S. Bank weigh in on the most important issues impacting regional banks, including their growth strategy, competitive challenges, the regulatory environment, the U.S. economic outlook, and how the regulatory framework can be better calibrated to address the risks posed by regional banks.
  • Effective Bank Governance in the Age of Heightened Expectations

    Paul Harris

    Regulators have sought to expand the role of the board of directors, raising potential concerns around blurring the line between board and management. Paul Harris of KeyCorp offers his perspective on how banking organizations can achieve effective governance in a manner consistent with the board’s traditional oversight role in the current regulatory environment.