Blog: The Canard That Won't Go Away: Correcting the Record (Again)
Apr 21, 2017
In a recent BankThink column in the American Banker, ICBA President Camden Fine, in the course of an attack on Jamie Dimon, repeats his frequent accusation that large banks receive an “artificial funding advantage subsidized by an implicit taxpayer guarantee.” We correct the record here.
Blog: New Fed Survey Provides Evidence Supporting TCH Research That Higher Capital Requirements Are Restraining Lending to Small Businesses
Apr 18, 2017
Recently, the Federal Reserve published its first nationwide survey of small business credit availability which, in contrast to the National Federation of Independent Business’s (NFIB) survey, reports widespread evidence of tight credit availability for small businesses.
Blog: Foundational Basel Committee Study Estimates the Costs of NSFR Exceeds its Benefits by Nearly $1 Trillion
Mar 27, 2017
A careful reading of the Basel Committee on Banking Supervision’s (BCBS) 2010 economic analysis of the NSFR shows that adopting the NSFR at current capital levels would entail costs to the U.S. economy that substantially exceed the rule’s benefits.
Blog: Myth Versus Reality on Small Business Lending
Mar 24, 2017
Large banks make a lot of small business loans, substantially more than or a bit less than small banks, depending on how you measure it. Regulatory relief for large banks should be just as important, if not a priority.
Blog: Updated TCH Bank Conditions Index Shows Banking System Remains Extremely Resilient
Mar 24, 2017
Q4 2016 results of the TCH Bank Conditions Index demonstrates that the U.S. banking system remains extremely resilient to the point it may be holding-up economic growth somewhat.