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Tag Archives: FMCI
Bank Supervision: What’s Changed Since the Financial Crisis
When big banks failed during the 2007–2009 financial crisis, it wasn’t a complete surprise. Federal bank supervisors had found underlying risks at those banks, but didn’t always act on those findings to help banks be better actors. Today’s WatchBlog looks … Continue reading
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July 17, 2019
Tagged bank regulations, big banks, CAMELS, Dodd-Frank, FDIC, Fed, Federal Deposit Insurance Corporation, Federal Reserve, financial crisis, financial markets, financial regulation, FMCI, Michael Clements, OCC, office of the comptroller of the currency, regulation, risk assessment, stress test, supervisors, too big to fail
Finding Common Ground on Flood Insurance Reform
As we enter the peak of hurricane season, many homeowners have wisely chosen to protect their properties by purchasing flood insurance. However, the nation’s taxpayers remain largely unprotected as the National Flood Insurance Program (NFIP) is poised to continue to … Continue reading
Increased Federal Role in the Housing Finance System
Housing finance is a complex, multi-trillion-dollar industry that played a major role in the 2007-2009 financial crisis. Two of our recent reports analyzed changes in the market since the crisis and their effect on taxpayers. We discuss our findings in … Continue reading
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June 20, 2019
Tagged Congress, Daniel Garcia-Diaz, default, Department of Housing and Urban Development, Fannie Mae, financial crisis, financial markets, fiscal exposures, FMCI, Freddie Mac, Ginnie Mae, government-sponsored entities, GSE, housing finance, HUD, investors, MBS, mortgage, mortgage-backed securities
How Some Property Owners are “Gaming” the HUD Inspection Process
Financial assistance from the Department of Housing and Urban Development (HUD) helps keep affordable housing within reach for more than 2 million American households. HUD wants to ensure that the housing it’s helping to provide is clean, safe, and in … Continue reading
Credit Reporting Agencies and You
If you’ve ever signed up for a credit card or taken out a loan to buy a car, the credit card company or bank has probably checked your credit report to see if you qualify. But where does the information … Continue reading
Filing Taxes without Breaking the Bank
As you may have noticed this tax season, there’s no shortage of options for filing your taxes. For those who need it, IRS has several options to file taxes (or receive tax preparation assistance) for free. Today’s WatchBlog looks at … Continue reading
Big bank regulators at risk of influence?
“Regulatory capture”—when regulators act in the interest of the industry they’re regulating, rather than the public good—is a big concern, especially when it comes to big banks. Today’s WatchBlog explores how it happens and what regulators can do to protect … Continue reading
Your Internet Privacy
Do you shop or bank online? Use the Internet to stay connected with friends and family? Internet-based products and services regularly collect and share personal information about users, such as location, search terms and browsing history, contact information, and financial … Continue reading
Risks and Benefits of Fintech Lending
Financial technology (fintech) refers to the use of technology and innovation to provide financial products and services—and fintech lending is a growing part of this field. Fintech lenders are nonbank firms that operate online and may use “alternative data,” including … Continue reading
