The Bank Policy Institute is a nonpartisan research and advocacy group representing the nation’s leading banks.
Washington, DC
Joined December 2009
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ICYMI in BPInsights:
➡️ Yield concerns in the OCC’s new stablecoin rule.
➡️ The latest on AI agents from the OCC’s Jonathan Gould.
➡️ How do liquidity requirements account for discount window borrowing capacity?
And more. bpi.com/bpinsights-october-2…
The liquidity coverage ratio only recognizes stored liquidity — liquid assets like Treasuries or cash held as high-quality liquid assets.
But including liquidity available for purchase from the central bank in the LCR would mitigate distortions in the ratio and therefore improve financial stability and credit availability to the economy, according to our new analysis. bpi.com/liquidity-regulation…
RELEASE: OCC GENIUS Act Rule Leaves Room for Ambiguity on Yield
bpi.com/occ-genius-act-rule-…
The Federal Reserve recently finalized rules to enhance transparency and accountability in its stress testing framework.
Swipe through to learn how these reforms bring visibility to the regulatory process and why transparent models ensure objective capital standards.
We just published the 100th edition of BPInsights on LinkedIn!
BPInsights is our weekly newsletter covering the most important legislative and regulatory developments in banking.
Subscribe here: bpi.com/sign-up/
Catch up on the latest edition, featuring Fed Vice Chair for Supervision Michelle Bowman’s speech on supervision, FDIC Chairman Travis Hill’s remarks on stablecoins and the GENIUS Act, plus more news you may have missed: bpi.com/bpinsights-october-1…
And follow BPI on LinkedIn to stay informed: linkedin.com/company/95499
How do federal agencies supervise banks, and what role do frameworks like CAMELS ratings play?
Get direct, concise answers with BPI’s educational modules. bpi.com/bank-reg-101/
Bank Policy Institute retweeted
A new BPI note examines how stablecoin yields are determined on DeFi platforms, showing that they are volatile and often much higher than traditional money market rates despite yield restrictions in the GENIUS Act. bpi.com/defi-stablecoin-yiel…
The FDIC and the OCC have proposed updates to expand the circumstances in which banks may share their own confidential supervisory information without obtaining prior regulatory approval.
While we support many aspects of these proposals, further adjustments would strengthen the overall framework. bpi.com/confidential-supervi…
Recent BPI research examined the CFPB’s Making Ends Meet Survey to glean insights about the damage that fraud and scams inflict on American consumers.
Here are 5 key takeaways.🧵
5. Reporting is incomplete and gravitates toward financial institutions, which consumers view as more helpful than law enforcement or federal agencies.
This pattern can make a comprehensive view of fraud incidents more challenging to capture by regulators alone and impede their efforts to monitor and respond to fraud.
Understanding who is affected, how they're affected and where reporting gaps exist is critical to combating fraud and scams.
Read the full three-part research series from Daniel Grodzicki. bpi.com/a-post-pandemic-cons…
RELEASE: BPI Statement on OCC Access to Banking Services Report bpi.com/bpi-statement-on-occ…
In the latest edition of BPInsights 🗞️:
➡️ Vice Chair Bowman previews a restructuring of the Fed’s supervision function.
➡️ Are stablecoins the future of payments? BPI’s Greg Baer explains the challenges in the way.
and more. bpi.com/bpinsights-october-1…
