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Working Paper
The devil's in the tail: residential mortgage finance and the U.S. Treasury
White, Lawrence J.; Frame, W. Scott; Wall, Larry D. (2012)
This paper seeks to contribute to the U.S. housing finance reform conversation by providing a critical assessment of the various types of policy proposals that have been offered. There appears to be a broad consensus to maintain explicit government guarantees for certain narrowly defined borrower populations, such as Federal Housing Administration insurance guarantees for low- and moderate-income and first-time homebuyers. However, the expected role of the federal government in the broader housing finance system is in dispute. The expected role ranges from no role to insuring against only ...
FRB Atlanta Working Paper , Paper 2012-12

Journal Article
Too-big-to-fail after FDICIA
Wall, Larry D. (1993-01)
Economic Review , Issue Jan , Pages 1-14

Working Paper
Resolving large financial intermediaries: banks versus housing enterprises
Frame, W. Scott; Wall, Larry D.; Eisenbeis, Robert A. (2004)
This paper examines the policy issues with respect to resolving the possible failure of housing enterprises Fannie Mae or Freddie Mac. The authors compare and contrast these issues with those raised in the context of large bank failures and also identify important differences in the extant supervisory authorities. Based on these discussions, they offer a number of policy suggestions designed to minimize the cost of resolution and protect taxpayers from loss should a large bank or housing enterprise fail.
FRB Atlanta Working Paper , Paper 2004-23

Working Paper
Technological Change and Financial Innovation in Banking: Some Implications for Fintech
White, Lawrence J.; Frame, W. Scott; Wall, Larry D. (2018-10-01)
Financial intermediation has changed dramatically over the past 30 years, due in large part to technological change. The paper first describes the role of the financial system in a modern economy and how technological change and financial innovation can affect social welfare. We then survey the empirical literatures relating to several specific financial innovations, broadly categorized as new production processes, new products or services, or new organizational forms. In each case, we also include examples of significant fintech innovations that are transforming various aspects of banking. ...
FRB Atlanta Working Paper , Paper 2018-11

Conference Paper
Valuation effects of new capital issues by large bank holding companies
Wall, Larry D. (1989)
Proceedings , Paper 231

Working Paper
Sub-debt yield spreads as bank risk measures
Wall, Larry D.; Evanoff, Douglas D. (2001)
Several recent studies have recommended greater reliance on subordinated debt as a tool to discipline bank risk taking. Some of these proposals recommend using sub-debt yield spreads as triggers for supervisory discipline under prompt corrective action (PCA). Currently such action is prompted by capital adequacy measures. This paper provides the first empirical analysis of the relative accuracy of various capital ratios and sub-debt spreads in predicting bank condition: measured as subsequent CAMEL or BOPEC ratings. The results suggest that some of the capital ratios, including the summary ...
Working Paper Series , Paper WP-01-03

Journal Article
Interest rate swaps: a review of the issues
Wall, Larry D.; Pringle, John J. (1988-11)
Economic Review , Issue Nov , Pages 22-40

Journal Article
Capital requirements for interest-rate and foreign-exchange hedges
Wall, Larry D.; Pringle, John J.; McNulty, James E. (1990-05)
Economic Review , Issue May , Pages 14-28

Working Paper
Is Stricter Regulation of Incentive Compensation the Missing Piece?
Wall, Larry D. (2019-03-01)
Although a number of steps have been taken to reduce the risk of financial stability, some significant weaknesses remain. This paper examines whether stricter regulation of incentive compensation is the missing piece needed to reduce risk to acceptable levels. Unfortunately, this review of the literatures on the relationship of risk to bank chief operating officer and bank employee compensation suggest both have some potential but that significant concerns remain in both cases. At this point, we cannot confidently say that compensation regulation is the missing piece.
FRB Atlanta Working Paper , Paper 2019-6

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