Bank regulation

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Bank regulation

The formulation and issuance by authorized agencies of specific rules or regulations, under governing law, for the conduct and structure of banking.

Bank Regulation

The laws and bureaucratic rules governing banking. Banks have regulations at the federal, state, and sometimes local levels. Examples of bank regulations include capital requirements and limits on interest rates. Member banks of the Federal Reserve are subject to further regulations, such as the requirement to buy stock in the Federal Reserve System. Proponents of bank regulations state that they help maintain consumer confidence in banking, which in turn helps keep the economy running smoothly. Critics maintain that most bank regulations create market distortions and hamper economic growth. Perhaps predictably, these two groups disagree on whether too little or too much bank regulation caused the credit crunch of the mid and late 2000s and the subsequent recession.
References in periodicals archive ?
Global Banking News-October 26, 2015--UK crowdfunders might have to comply with banking regulations
In this two-hour live webcast, a panel of distinguished professionals and thought leaders assembled by The Knowledge Group will discuss the important Up-coming Banking Regulations and The Importance of Compliance in 2015.
The French bank was punished for eight years of violating US banking regulations forbidding the movement of funds from those three countries through the US financial system.
Most importantly, amendment of the Banking Regulations 1966 was required for the variations to be effective.
Commenting on the strict banking regulations, he said that banks shouldn't exploit the clients, particularly, the poor and vulnerable sections of the society.
Zam Zam Bank has been established but not operating since 2008 when the country's Central Bank, the National Bank of Ethiopia, amended the country's banking regulations to allow interest-free banking.
The CBJ had earlier granted a foreign bank licence to NBAD, to set up a subsidiary with a minimum capital of JD50 million as stipulated by Jordan's banking regulations.
The new committee will be given the authority to report the state of compliance with laws and banking regulations to the FSA as a body independent from the bank's top managers.
He covers the story of how, during Citicorp's challenges with deregulation and with poor Third World and real-estate loans, the conglomerate used credit-card networks to bypass interstate banking regulations and state usury laws, leading to profits of three to five times those of other banking activities.
It won't be easy navigating the maze of state and federal banking regulations and coming up with the requisite political contributions to key committee members in Washington and Sacramento.
banking regulations that require hefty capital reserves, and accounting and regulatory write-downs.

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