INTEGRITY AND HONOR: Bill Isaac’s Words to Live By. By The Journey, published by the Farmer School of Business at Miami University

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in leading business publications

June 24, 2016

INTEGRITY AND HONOR: Bill Isaac’s Words to Live By. By The Journey, published by the Farmer School of Business at Miami University

INTEGRITY AND HONOR: Bill Isaac’s Words to Live By. By The Journey, published by the Farmer School of Business at Miami University

June 24, 2016

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MEDIA COVERAGE

Easy Monetary Policy: A Threat to the Future by William C. Dunkelberg, Chief Economist, National Federation of Independent Business
29 Apr 2019
As the current economic expansion nears record length, observes more frequently publish lists pf “risks” that could precipitate a recession and an end to the expansion: weak global growth, China, the “black swan event” du jour, a Federal Reserve policy error, fiscal insanity, and the old inverted yield curve. Pick your favorite interest rates (or […]
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Why the Universal Use of the 30-Year Mortgage Is Dangerous by Edward Pinto published by the RealClear Markets on April 22, 2019
25 Apr 2019
The short answer is that the 30-year mortgage amortizes extremely slowly, making it nearly twice as risky as a similar loan with a 20-year term. And the 30-year loan compounds risk-layering by promoting the use of higher combined loan-to-value and debt-to-income ratios (DTI). The Housing Lobby unabashedly supports the broad availability of the 30-year mortgage, […]
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BankThink With stress tests, less is more by Thomas P. Vartanian published by the American Banker on April 18, 2019
19 Apr 2019
Dynamic stress testing — or using econometric models to forecast a financial institution’s income and regulatory capital through hypothetical economic shocks — is a good idea. But the Federal Reserve’s rules need to keep improving to make them less onerous and more reliable. Fortunately, the Fed seems to agree, having taken several recent steps in […]
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BankThink Fed ‘independence’ is a slippery slope by Alex J. Pollock published by American Banker on March 21, 2019
21 Mar 2019
Many observers, like Captain Renault in “Casablanca,” were “shocked, shocked!” at President Trump’s sharp criticism of the Federal Reserve and his attempt to influence it against raising interest rates, inquiring whether the president can fire the Fed chairman. Yet many presidents and their administrations have pressured the Fed, going back to its earliest days, when […]
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BankThink A simple fix to brokered-deposit battle by William Isaac published by American Banker on March 12, 2019
12 Mar 2019
The American Bankers Association recently released a report from a major law firm detailing the legislative history of the Federal Deposit Insurance Corp.’s battle against bank purchases of deposits from money brokers, continuing a policy debate that began over 30 years ago when I was chairman of the FDIC. The ABA report suggests that over […]
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PUBLISHED WORKS

BankThink FASB’s accountability problem by William M. Isaac and Thomas P. Vartanian published by American Banker on April 26, 2019 April 26, 2019 Great news for banks. We’ve decided to establish a self-governing body to create federal common law principles governing corporate conduct. Since Congress has never legislated in this area, the field is wide open. Our new Corporate Conduct Principles Board, or CCPB, will consist of lawyers, financial institution executives and former regulators. It will function as a ...
BankThink Accounting standards shouldn’t be left to the accountants, by William M. Isaac published by American Banker on January 4, 2019 January 6, 2019 The SEC and FASB are at it again with a plan requiring banks to forecast and book “current expected credit losses” over the life of loans without even a credit for expected interest income. Bank regulators are dutifully moving forward with plans to implement the new accounting standards. The impact could be very negative for most ...
BankThink A cautionary tale on brokered deposits By William M. Isaac November 9, 2018 The Federal Deposit Insurance Corp. is considering changing its rules governing brokered deposits, as American Banker recently reported. A number of bankers have urged the FDIC to liberalize the current rules so they might fund their banks more readily and extensively by purchasing money from deposit brokers. I would caution bankers and the FDIC to ...
BankThink Don’t reinvent the wheel on housing finance: Restore Fannie and Freddie, by William M. Isaac published by American Banker on February 16, 2018 February 18, 2018 BankThink Don’t reinvent the wheel on housing finance: Restore Fannie and Freddie Tackling the last piece of unfinished business from the 2008 financial crisis is a top priority for policymakers — the big question is how to do it. Recently, an early draft of legislation aimed at reforming the twin housing giants Fannie Mae and Freddie Mac ...
BankThink Congress should intervene to let more banks make small-dollar loans William M. Isaac published by American Banker on November 29 2017 November 30, 2017 When it comes to short-term, small-dollar loans, banks are between a rock and a hard place. Consumers are demanding short-term credit, and officials such as former Consumer Financial Protection Bureau Director Richard Cordray have urged banks to meet this need. On the other hand, stringent regulation meant to shut down predatory lenders is understandably causing banks ...
Regulators Can Help American Workers Get the Credit They Deserve, Published in The Wall Street Journal, By William M. Isaac and Ken Rees October 30, 2017 Nonprime lending isn’t as risky as it’s made out to be, and fintech firms can help traditional banks. This month the Consumer Financial Protection Bureau issued new rules likely to curtail payday and title loans. On the same day, the Office of the Comptroller of the Currency removed its ban on short-term subprime lending by banks. ...

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