Small banks will get reg relief. Do they deserve more?

The Community Reinvestment Act of 1977 (CRA) encourages certain insured depository institutions to help meet the credit needs of the communities in which they are chartered, including low- and moderate-income (LMI) neighborhoods, consistent with the safe and sound operation of such institutions.

This is not to suggest that community banks do not deserve some relief from Dodd-Frank and other laws and regulations put in place after the crisis. As percentage of their assets, small banks now spend more on compliance than larger banks do, Thomas Hoenig, the recently retired vice chairman of the Federal Deposit Insurance Corp., said at.

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who introduced a bill last Congress that would scrap the $50 billion threshold and replace it with an indicator test to determine which banks deserve more regulatory. be up to Crapo to get.

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Many small banks, community banks, and credit unions offer better customer service than the large institutions do. It’s simply easier to have a personal touch in a smaller setting.

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the immense flexibility and multiple functional abilities of spreadsheets do suggest they deserve more credit than they usually get. To Mitigate is Divine. So, how do companies protect themselves against these risks and mistakes regardless of where they come from? For me, the solution is two-fold.

Eakinomics: Regulatory Relief for Small Banks is on the Way Earlier this week officials from the Department of Treasury, the Federal Reserve, and the Federal Deposit Insurance Corporation (FDIC) ("the agencies") took a first step toward significant regulatory capital relief for smaller banks.

"Compliance activities and expenditures were seen by many as too onerous for many small banks, so any regulatory relief is welcome." According to a study by the Federal Reserve Bank of St. Louis, banks with assets of less than $100 million reported total compliance costs were almost 9% of their noninterest expenses.

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3 Center for American Progress | Do Not Gut Financial Reform in the Name of Helping Small Banks The Federal Deposit Insurance Corporation, or FDIC, has created a more nuanced defi-nition of a community bank that takes into account its lending and deposit-taking activi-ties and the geographic location of branches.