Erika Ayers Badan Launches Mule Media
Say Hello to Mule Media. Mule Media is a women’s community company. Our goal is to support and serve women by meeting them where they’re…
Thought Leader: Erika Ayers Badan
Stop Treating Small Banks as If They Caused the Crisis: Bair
By Alan Kline (original source American Banker)
“Round up the usual suspects.” That famous line from “Casablanca” neatly sums up the regulatory attitude toward the banking industry in the aftermath of the financial crisis. In their understandable eagerness to show a toughened regulatory posture to a disillusioned public, regulators cast a wide supervisory net. In the process, they failed to sufficiently differentiate regional and community banks — bread-and-butter lenders that for the most part remained healthy and profitable before, during and after the crisis — from the main actors in the subprime debacle: the originators of toxic mortgages and the big firms that structured all those exotic securities and derivatives products on top of them.
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