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Banking Briefs

The Clearing House

Banking Briefs provide a concise view of various issues of importance to TCH Owner Banks with links to TCH content, as well as external sources. Important issues include the value of large banks, customer data protection in payments, TLAC standards, resolution strategies, living wills, and more.

Recent Highlights

Banking Brief: Overview of Total Loss Absorbing Capacity

Feb 20, 2015

In November 2014, the Financial Stability Board (“FSB”) proposed international standards for total loss absorbing capacity (“TLAC”) that a global systemically important bank (“G-SIB”) would be required to maintain to facilitate its orderly resolution should it fail.

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Banking Brief: The Clearing House Working Paper Series on the Value of Large Banks Working Paper No. 4: Quantifying the Impact of Macroprudential Regulation on the Largest U.S. Banks

Nov 19, 2014

In the fourth paper in its Working Paper Series on the Value of Large Banks, The Clearing House builds on and provides evidence supporting the conclusion drawn in its Third Working Paper that the cost of compliance with regulations imposed on large banks must be factored into any assessment of whether large banks enjoy an unfair funding advantage. 

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Banking Brief: Living Will Requirements for Banking Organizations

Oct 9, 2014

The Dodd-Frank Act requires banking organizations with $50 billion or more of consolidated assets to file resolution plans annually with the Federal Reserve and FDIC.  Each resolution plan, also known as a “living will,” must describe the organization’s strategy for rapid and orderly resolution under the U.S. Bankruptcy Code in the event of the organization’s material financial distress or failure.

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Banking Brief: Bank Liquidity Regulation - The Proposed U.S. LCR

Feb 19, 2014

The U.S. LCR should deviate from the Basel LCR only when unique circumstances in the U.S. warrant such differences.  A U.S. LCR that otherwise differs from international standards in material ways detracts from international goals of clarity and transparency across markets, competitive equality, and minimizing opportunities for regulatory arbitrage.

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