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Questions as Banks Increase Dividends
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Prof. Admati, of Stanford, says that with the March 2012 stress tests the Fed has prematurely announced the banks are healthy. Prof. Cole of DePaul University, questions some of the assumptions used by the Fed as too optimistic even though it used a 13% unemployment rate and decline in stock and real estate values by 21%. He says the loss of $56 billon on home equity lines of credit and second lien mortgages, 13% of the portfolio, is highly underestimated. He says the legal liabilities of banks are also underestimated.
Michael Gibson, new chief of the U.S. Federal Reserve's regulatory division
01/21/2010
Under Dodd-Frank legislation the Fed was given the additional task of oversight of U.S. financial institutions. Gibson would play an important role in setting up stress tests for U.S. banks, regulatory supervision of banks, and representing th U.S. on the Basel committee.
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Obama Presses for Action on Bank Rules
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Fed Publishes 'Stress Test' Procedures
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Wall Street Adapts to New Regulatory Regime
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Stress tests of U.S. banks by the U.S. Federal Reserve in 2012
11/22/2011
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Fed Publishes 'Stress Test' Procedures
Wall Street Journal 11/10/2013
Stressing the Bank 'Stress Tests'
Wall Street Journal 03/14/2012
Stress Tests Won't Prevent the Next Financial Crisis
Wall Street Journal 03/19/2014
Wall Street Journal 11/23/2011
Fed Plans New Stress Tests for Biggest Banks
New York Times 11/22/2011
More Vigorous Stress Test for Banks
New York Times 11/23/2011
Disclosure efforts for stress tests of U.S. banks by the U.S. Federal Reserve in Feb. 2012
06/16/2011
The U.S. Federal Reserve's Daniel Tarullo pushes for disclosure saying it is critical for investors to have this information.
Grouped Articles
The Power Behind the Throne at the Federal Reserve
New York Times 07/31/2013
Fed Boosts Pressure on Banks Over Capital Levels
Wall Street Journal 08/20/2013
Fed Publishes 'Stress Test' Procedures
Wall Street Journal 11/10/2013
Stressing the Bank 'Stress Tests'
Wall Street Journal 03/14/2012
Stress Tests Won't Prevent the Next Financial Crisis
Wall Street Journal 03/19/2014
Lenders Stress Over Test Results
Wall Street Journal 03/05/2012
The U.S. Federal Reserve's March 2012 U.S. bank stress tests and the questions about overoptimistic assumptions
03/14/2012
Experts question the the overoptimistic assumptions for losses on home equity lines of credit, second lien mortgages and legal settlements. The capital ratios for the banks shown under the stress tests of 3-4% indicate high levels of leveraging, one of the principal causes for the banking crisis of 2008-2009.
Linked Articles
Stressing the Bank 'Stress Tests'
Wall Street Journal 03/14/2012
Questions as Banks Increase Dividends
New York Times 03/14/2012
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