BPI released new Morning Consult survey results today that reveal Americans overwhelmingly value the convenience, security and widespread acceptance of debit cards, with many expressing concerns about government interference in fixing prices in private markets. The survey also found that a large majority of consumers believe it is fair for retailers to pay for the goods and services they use to operate, even if doing so cuts into their bottom line. Read the full results: https://lnkd.in/e6KHB2xR
Bank Policy Institute
金融服务
Washington，DC 6,791 位关注者
At the Bank Policy Institute, We Put Research at the Center of Everything We Do
关于我们
The Bank Policy Institute (BPI) is a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks. Our members include universal banks, regional banks and the major foreign banks doing business in the United States. Collectively, they employ almost 2 million Americans, make 72% of all loans and nearly half of the nation’s small business loans and serve as an engine for financial innovation and economic growth. Our staff includes economists, researchers, financial analysts and attorneys, all focused on using data and analysis to shape sound policy. We distribute our research and analysis to U.S. and global regulators, members of Congress, academics and media through academic-quality research papers, blog posts, white papers, comment letters, and Congressional testimony. We also serve our members through our Business-Innovation-Technology-Security division (better known as BITS), which provides an executive level forum to discuss and promote current and emerging technology, foster innovation, reduce fraud and improve cybersecurity and risk management practices for the nation’s financial sector. We take as a given that the business of banking is the business of taking and managing risk. BPI aims to shape policy to allow the nation’s leading banks to best serve their customers and fulfill their vital economic role while holding sufficient capital and liquidity to ensure that the risks they take are borne by their shareholders and creditors, not the taxpayer.
- 网站
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https://bpi.com
Bank Policy Institute的外部链接
- 所属行业
- 金融服务
- 规模
- 11-50 人
- 总部
- Washington，DC
- 类型
- 非营利机构
- 创立
- 2018
- 领域
- Financial Services、Lobbying、Government Relations、Banking、Insurance和Securities
地点
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主要
获取路线
1300 Eye St. NW
Suite 1100 West
US，DC，Washington，20005
Bank Policy Institute员工
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Craig Schwartz
fTLD Registry Services, LLC
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Brian Allen, Esq.
Risk Management Executive - Chief Security Officer (Multinational Fortune 130, critical infrastructure, highly regulated) - Board/Executive Risk…
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Gregory Hopper
Senior Fellow
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Christopher F. Feeney NACD.DC
Business and Technology Executive, Board Member, CIO, Cybersecurity Expert, Operating, Governance/Risk, and Policy Executive
动态
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One of the first challenges facing the next U.S. Treasury Secretary will be reinvigorating the U.S. Treasury market. This market is a crucial hub of global liquidity, a vehicle of U.S. government financing and a source of notable fragility in recent years as regulation has forced banks to retreat from intermediating in it. Fortunately, the problems in this market are simple to resolve, and such resolution will benefit U.S. economic growth and add resilience to a market vital to U.S. interests. Read the new post: https://lnkd.in/e8JhzWU7
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In this edition of BPInsights ??: ?? Where Do Major Rulemakings Stand? Read Highlights From This Week’s Regulator Hearing on Capitol Hill. ?? What Does the Fed’s Supervision and Regulation Report Say About the State of Supervision? ?? The CFPB’s Open Banking Rule Could Break the Data-Sharing System by Attempting Unnecessary Fixes.
What’s Next for Prudential Regulators?
Bank Policy Institute，发布于领英
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A new BPI research paper challenges the FDIC's 2024 proposal to reclassify sweep deposits as brokered deposits, with empirical analysis showing that non-brokered sweep deposits exhibited markedly different risk characteristics from brokered deposits during the March 2023 banking stress period. The findings suggest that maintaining the current regulatory treatment of sweep deposits (established in the 2021 final rule) better reflects their underlying risk characteristics, contrary to the FDIC's proposed changes which are based primarily on anecdotal evidence. https://lnkd.in/dcFFQx49
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BPI’s empirical analysis in a new research note casts doubt on the justification for the Federal Deposit Insurance Corporation (FDIC)’s proposal to broaden the definition of brokered deposits. Access the note here: https://lnkd.in/eeDNa6rj BPI also filed a joint letter with the American Bankers Association, U.S. Chamber of Commerce, Financial Services Forum, Financial Technology Association, ICBA and SIFMA late yesterday expressing concerns about legal deficiencies in the proposal. Read it here: https://lnkd.in/eR-k5cWU
The FDIC's Proposed Brokered Deposit Reclassification: An Empirical Evaluation - Bank Policy Institute
https://bpi.com
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Banks solved the issue of consumer data sharing years ago. So, why is the Consumer Financial Protection Bureau stepping in now, with a rule that could make sharing data less safe and secure, asks Greg Baer, of the Bank Policy Institute, in American Banker’s BankThink.https://bit.ly/4fTsRjW
The CFPB's 'open banking' rule is a solution in search of a problem
americanbanker.com
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The Federal Reserve’s latest report on supervision and regulation paints a paradoxical picture. While it asserts the banking system is "sound and resilient," it also asserts that two-thirds of large financial institutions were rated less than satisfactory in the first half of 2024 — despite these firms holding 85% of bank assets under Fed supervision. Read the post: https://lnkd.in/e9QpJtdR
Making Sense of the Federal Reserve’s Report on Supervisory Developments - Bank Policy Institute
https://bpi.com
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The Consumer Financial Protection Bureau’s Section 1033 rule jeopardizes the security and privacy of consumer financial data. Hear from Paige Pidano Paridon, BPI’s Co-Head of Regulatory Affairs, on the shortcomings of this rule and learn more at KeepBankingSafe.com
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In this edition of BPInsights ??: ?? How Would the Basel Capital Proposal Affect Consumers’ Spare Credit Cards? ?? What Would Happen If President-Elect Trump Tries to Fire Jerome Powell? ?? Takeaways From the FDIC’s Latest Unbanked and Underbanked Households Survey
Would Basel Endgame Affect Backup Credit Cards?
Bank Policy Institute，发布于领英
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The U.S. Basel Endgame proposal would jeopardize consumers’ backup credit cards, threatening a critical source of liquidity for lower-income families. A new BPI research note from Paul Calem, Francisco Covas and Laura Suhr Plassman focuses on two key issues: the practical implications for consumers with multiple cards, and the implications for consumers’ credit scores and access to mortgage credit. Access it here: https://lnkd.in/ejmRBr4x
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