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R E GULATORY REFORM UPDATE. Buz Gorman Margaret Liu John Ryan March 22-23, 2010. 9% OTS. 18% OCC. M&A Deals Summary. Announced Bank M&A Transactions. Bank M&A Transactions Currently Pending. Completed Bank M&A Transactions. Terminated Bank M&A Transactions. Capital Offerings Summary.

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R E GULATORY REFORM UPDATE


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Presentation Transcript
slide1

REGULATORY REFORM

UPDATE

Buz Gorman

Margaret Liu

John Ryan

March 22-23, 2010

slide2

9% OTS

18% OCC

slide20

Financial Regulatory Reform

  • House
    • Wall Street Reform and Consumer Protection Act of 2009
    • Approved by House 223 to 202
  • Senate
    • Latest Dodd Bill released last Monday
    • Over 1,300 pages
    • Mark-Up begins Monday afternoon
    • Chairman Dodd’s Goal: report out before the end of this week
slide21

Financial Stability and Prudential Supervision

Federal Financial Regulatory Structure

slide22

Financial Stability and Prudential Supervision

Federal Financial Regulatory Structure

slide23

Financial Stability and Prudential Supervision

Federal Financial Regulatory Structure

slide27

Financial Stability and Prudential Supervision

Enhanced Resolution Authority Over Systemically Significant Firms

slide29

Financial Stability and Prudential Supervision

Federal Exam Fees for State-Chartered Banks

slide32

Consumer Financial Protection

Authorities (cont’d)

slide33

Consumer Financial Protection

Regulatory Relief for Smaller Institutions

slide34

Consumer Financial Protection

Coordination with the States

slide35

Consumer Financial Protection

Registration of Covered Persons

slide36

Consumer Financial Protection

Applicable State Law

slide37

Specific Issues

  • Expanding State-Federal Coordination
  • Mandated state-federal coordination across prudential and consumer protection functions
  • Role of Federal Reserve
  • Preserving Fed supervision over state-member banks and protecting the role of the Reserve Banks
  • Ongoing advocacy through CSBS statements and letters, national and regional media, and partners (ICBA, ABA, dialogue with Reserve Banks and Board of Governors)
slide38

Specific Issues

  • Pre-emption
  • Continue advocacy through CSBS Statements and letters, national and regional media, and partners (NGA, Attorneys General, Consumer Groups)
  • Constant vigilance against efforts to expand national bank pre-emption and erode state enforcement authorities
  • Lending Limits
  • Need to strike language from Senate Bill
slide39

Specific Issues

  • De Novo Branching and Closing the Thrift Loophole in the Deposit Cap
  • ICBA neutral on branching
  • Push back from state banking trades