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Oct. 10, 2012

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How Does Basel III Affect My Bank?  

By Charles Taylor   

gavel The past five years, more than 400 community banks and thrifts have failed. They failed for a number of reasons but, at the end of the day, they did not have enough high-quality capital in relation to the risks they had taken on. The proposed standards aim to raise the bar by doing a better job of requiring more capital where there is more risk so that the chances of failures will be lower in the future. Read more>> 
FHFA Seeks Public Input on Building a New Infrastructure for the Secondary Mortgage Market
Developing a new securitization infrastructure is a key goal of the FHFA strategic plan for enterprise conservatorships and builds on other initiatives already underway to align and improve the business practices of Fannie Mae and Freddie Mac. Read more>>
ABA Finds Consumer Delinquencies Continue Decline in Q2
During the second quarter, bank card delinquencies dropped below 3 percent of accounts for the first time since 2001, falling 15 basis points to 2.93 percent of all accounts and well below the 15-year average of 3.91 percent.
Read more>>
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BankNews to Publish Directory for Florida
BankNews Media, publisher of bank directories for more than 50 years, will publish a brand new directory, the Florida Banking Blue Book, on behalf of the Florida Bankers Association. Read more>>
Register for Webcast
Frontline Deposit Deposit Compliance: Frontline Deposit Regulations

DATE: Oct. 24   


This program fulfills many of your annual training requirements for your front line. The front line is critical in the implementation of many of the federal regulations for a financial institution. This program will cover the basic understanding of what each regulation is for and how the front line is responsible for its implementation.    


Click here for more information or to register. 

Video: NO to Basel III Capital Requirements!
Jay Seifried and Dr. Ed Seifried have provided community banks with their comment letter on the Basel III capital proposals. They urge you to send this letter supported by your board and management team to your regulators. The comment period ends 10/22/12. Watch video>>
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CSBS Releases Statement on Federal Banking Agencies' Proposed Capital Rules
In a statement by Greg Gonzales, chairman of the Conference of State Bank Supervisors, the CSBS said it supports higher levels of required minimum capital and an improvement to the overall quality of capital, but it is opposed to the proposed approach put forth by the federal banking agencies to implement the Basel III capital accord and to incorporate a standardized approach for risk-weighted assets. Read more>>
App Users Want Quick Connection to Customer Service, New Study Shows
More than 80 percent of smartphone users with financial apps say they want a solution that enables them to easily and directly contact or request a callback from a customer service representative from their app without dialing a toll free number, starting all over, repeating account information or waiting on hold, according to a study commissioned by Virtual Hold Technology. Read more>>
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