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Friday, May 19, 2017

Clearing House Article Examines Misdirected Bank Supervision

An article from a forthcoming issue of the Clearing House Association’s magazine, Banking Perspectives, examines a concern of many banks of all sizes: regulators’ supervisory approach considered separately from formal regulation. “While these supervisory dynamics are receiving little public attention, they are having a substantial economic impact,” write the Clearing House Association’s Greg Baer and Jeremy Newell.

Baer and Newell identify three key developments of concern: a shift in the CAMELS rating system from a measurement of financial condition to a compliance metric; a “series of unwritten rules” that result in lower CAMELS ratings; and the use of lower CAMELS ratings to impose limits on bank growth. “Financial condition is no longer what banks are being graded on, and the penalties for a bad grade now vastly exceed what Congress has authorized,” they write.

ABA shares many of these concerns and how they affect banks of all sizes and is working with the Clearing House and other trade groups to address them. As new top regulatory officials are appointed, ABA will work with them to raise these concerns and seek an approach that more closely aligns with statutes and formal regulation.

Read the article


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