News & Analysis as of August 16, 2025

Banks

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The term "mortgage" typically refers to a mortgage loan. A mortgage loan is a financing instrument where an individual or business borrows money to purchase property (usually real property) and... more +

UK PRA publishes discussion paper on proposed reforms to IRB approach for residential mortgages

A&O Shearman on 8/13/2025

The UK Prudential Regulation Authority (PRA) has published discussion paper DP1/25 inviting views on potential reforms to the internal ratings based (IRB) approach to credit risk for residential mortgage exposures. The PRA...more

Basel III Endgame: Will Banks Have to Increase Their Capital Requirements?

Katten Muchin Rosenman LLP on 9/13/2024

On Tuesday, September 10, the Federal Reserve announced a reproposal of the much discussed and awaited Basel III Endgame. However, before we dive into the reproposal, it is important to take a step back and look at how we got...more

The Department of the Treasury Issues Recommendations on the Regulation of U.S. Depository Institutions

Jones Day on 7/1/2017

"A Financial System that Creates Economic Opportunities: Banks and Credit Unions," a Report by the Department of the Treasury, identifies potential reforms that would promote the "Core Principles for Regulating the United...more

Orrick's Financial Industry Week In Review

Orrick, Herrington & Sutcliffe LLP on 12/2/2016

FHFA Announces Increase in Maximum Conforming Loan Limits for Fannie Mae and Freddie Mac in 2017 - On November 23, 2016, the Federal Housing Finance Agency (FHFA) announced an increase in the maximum conforming loan...more

Community Banking Excellence - Issue 2, 2014

Spilman Thomas & Battle, PLLC on 6/19/2014

In This Issue: - Another Perspective: Robert T. Braswell, President and Chief Executive Officer Carolina Bank: Mr. Robert T. Braswell is President and Chief Executive Officer of Carolina Bank. He has served in...more

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