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Second Quarter 2018

How Bank Regulation Has Constrained Monetary Policy

The relationship between bank liquidity regulation and monetary policy is often overlooked. This issue takes a look at bank regulation's impact on monetary policy and how it has constrained the ability of central banks to respond in times of financial market shocks and stress on the banking system.

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October 1, 2018

The Quiet Revolution of Central Banks

By Greg Baer

This issue of Banking Perspectives includes two articles on an important but generally overlooked subject: the interrelationship between bank liquidity regulation and the effectuation of monetary policy. The potential for… Continue Reading

AML/CFT, Bank Secrecy Act and Sanctions, Bank Governance, Bank Liquidity, Cryptocurrency, Open Banking, Supervision and Enforcement

June 4, 2018

HSBC’s Patrick Burke On Global Regulatory Harmonization, Tax Cuts, and More

By James D. Aramanda

Patrick Burke, President and CEO of HSBC North America Holdings, discusses the impact of bank regulatory reform and the 2018 tax cuts on the U.S. economy, global regulatory harmonization, and… Continue Reading

AML/CFT, Bank Secrecy Act and Sanctions, Bank Activities and Structure, Bank Capital and Stress Testing, Cryptocurrency, Fintech, Open Banking, Payments, Supervision and Enforcement

June 4, 2018

Regulatory Change and Monetary Policy

By Bill Nelson

What kind of impact have the Basel III post-crisis bank regulations had on monetary policy? That’s the question that a working group formed by the Committee on the Global Financial… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

June 4, 2018

The Liquidity Coverage Ratio and Monetary Policy Implementation

By Morten Bech and Todd Keister

Editor’s Note: This article is based on our research paper “Liquidity Regulation and the Implementation of Monetary Policy” and on the extended discussion in BIS Working Paper No. 432.2.  It also… Continue Reading

AML/CFT, Bank Secrecy Act and Sanctions, Bank Liquidity, Cryptocurrency, Open Banking, Supervision and Enforcement

June 4, 2018

Calibrating Capital

By Dr. Thomas F. Huertasc

(Note: The author is a partner in the Financial Services Risk Practice at Ernst & Young and chairs the firm’s Global Regulatory Network. The paper represents the author’s personal views,… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity, Supervision and Enforcement

June 4, 2018

The Governance of Monetary and Financial Stability Policy

By Paul Tucker

Since the financial crisis, the world’s major central banks have accumulated much more power. Is that OK? Does it fit with our democratic values? The delegation of power by legislatures… Continue Reading

Bank Governance, Bank Liquidity

June 3, 2018

Risk Management in the Digital Age

By Rob Ceske, Kelly Combs, Jamie Hooten, and Nadim Hraibi

Note: Rob Ceske is a principal, Kelly Combs and Nadim Hraibi are managers, and Jamie Hooten is an associate at KPMG LLP. The authors would like to gratefully acknowledge Junghoon Woo,… Continue Reading

Cybersecurity, Fintech

June 3, 2018

Real-Time Payments Now a Reality

By Carl Slabicki

Note: The views expressed herein are those of the author only and may not reflect the views of BNY Mellon. This does not constitute treasury services advice, or any other… Continue Reading

Payments

June 3, 2018

Cyberthreats and Wholesale Payment Systems

By Alaina Gimbert and Rob Hunter

Early in 2016, the first reports of a historic theft began to surface in the press. Sounding more like the storyline of a James Bond movie than the mundane world… Continue Reading

Cybersecurity, Payments

June 1, 2018

Real-Time Payments Have Arrived

By James D. Aramanda

In November 2017, The Clearing House launched the first completely real-time payments system in the U.S. and the most modern payments system in the world. On that date, the first… Continue Reading

Payments

June 1, 2018

TCH BCI Continues to Show Extremely Resilient Banking Sector

By Francisco Covas

The Clearing House Bank Conditions Index (TCHBCI) declined slightly in the fourth quarter of 2017 but continues to show an extremely resilient banking system, reflecting in large part the very… Continue Reading

Bank Capital and Stress Testing, Bank Liquidity

June 1, 2018

Research Rundown

By TCH Research

Liquidity and Lending FRBNY Staff Report: The Mortgage Rate Conundrum (Justiniano, Primiceri & Tambalotti) This report analyzes the evolution of a gap between mortgage and Treasury interest rates in the… Continue Reading

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