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Fed Releases Proposal for CRA Reform, Seeks Comments
White, Carl (2020-10-29)
The Fed and the OCC have both issued proposals for reforming CRA regulations. How do they differ?
On the Economy

Bank Supervision Adapts to Pandemic Challenges
White, Carl (2020-08-10)
Communication between bank management and bank supervisors will remain vital to understanding the challenges banks are facing.
On the Economy

Treasuries’ allure as safe haven noted in short maturities, not in long bonds
Davis, J. Scott (2023-06-27)
The United States has a large negative net-foreign-asset position, especially in safe assets. In times of crisis, U.S. government debt, especially short-term Treasuries, are viewed as a safe haven. As a result, the U.S. is a net debtor. It is more leveraged and tends to hold more risky assets (mostly equities) and finance those positions by selling safe-asset debt to the rest of the world.
Dallas Fed Economics

Briefing
Anatomy of the Bank Runs in March 2023
Cipriani, Marco; Eisenbach, Thomas M.; Kovner, Anna (2024-12)
Runs have plagued the banking system for centuries and returned to prominence with the bank failures in early 2023. In a traditional run — such as depicted in classic photos from the Great Depression — depositors line up in front of a bank to withdraw their cash. This is not how modern bank runs occur: Today, depositors move money from a risky to a safe bank through electronic payment systems. In a recently published staff report, we use data on wholesale and retail payments to understand the bank run of March 2023.1 Which banks were run on? How were they different from other banks? And ...
Richmond Fed Economic Brief , Volume 24 , Issue 39

Working Paper
Audit Partners and Loan Loss Provisioning: Evidence from U.S. Bank Holding Companies
Bhat, Gauri; Desai, Hemang; Koch, Christoffer; Mayer, Erik J.; Tzur-Ilan, Nitzan (2024-11-20)
This paper uses confidential data on audit engagement partner names from regulatory filings of bank holding companies (BHC) to investigate whether partners display individual style that affects the financial reporting of the BHCs. We focus on loan loss provisioning. We construct an audit partner-BHC matched panel data set that enables us to track different partners across different BHCs over time. We employ two empirical approaches to investigate partner style. The first approach tests whether partner fixed effects are statistically significant in loan loss provisioning models. The second ...
Working Papers , Paper 2209

Journal Article
Is the Era of Overdraft Fees Over?
Neely, Michelle Clark (2023-03-08)
Some U.S. banks are cutting back overdraft fees and offering lower-cost alternatives in response to pressure from consumers, competitors and regulators.
The Regional Economist

Dallas Fed, Latin American central banks explore financial stability risks
Ossandon Busch, Matias; Frame, W. Scott; Müller, Carola (2023-02-16)
The COVID-19 pandemic, recent monetary tightening and a strengthening U.S. dollar were the themes explored during a recent conference organized by the Federal Reserve Bank of Dallas and the Center for Latin American Monetary Studies (CEMLA) and held at CEMLA’s Mexico City headquarters.
Dallas Fed Economics

Journal Article
District banks meet challenging times from position of strength
Munyan, Ben (2023-06-01)
Texas banks confront an increasingly challenging operating environment, as the state’s usually strong economic growth is predicted to slow later this year and the Federal Reserve’s rapidly rising interest rate environment pressures some institutions’ profitability.
Southwest Economy

Discussion Paper
Income Evolution at BHCs: How Big BHCs Differ
Copeland, Adam (2012-07-23)
As noted in the introduction to this series, over the past two decades financial intermediation has evolved from a traditional, bank-centered system to one where nonbanks play an increasing role. For my contribution to the series, I document how the sources of bank holding companies? (BHC) income have evolved. I find that the largest BHCs have changed the most; they?ve shifted their mix of income toward providing new financial services and are earning an increasing share of income outside of their commercial bank subsidiaries. In this post, I summarize my study?s key findings.
Liberty Street Economics , Paper 20120723a

Journal Article
Measuring Cov-Lite Right
Yu, Edison (2018)
More business loans today lack traditional covenants governing borrowers. Does that leave banks with fewer tools to ward off default?
Banking Trends , Issue 3 , Pages 1-8

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