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Journal Article
Effective supervision and the evolving financial services industry
Technology, market consolidation, international competition, and new legislation are changing the face of the financial services industry. How are the agencies responsible for ensuring the safety and soundness of our financial system responding? This Commentary is adapted from a keynote address given by Jerry L. Jordan, president and chief executive officer of the Federal Reserve Bank of Cleveland, at the 111th Annual Meeting of the Ohio Bankers association in May 2001.
Journal Article
Market discipline and subordinated debt: a review of some salient issues
Requiring banks to issue subordinated debt is one proposal to bring market discipline to bear in aiding regulatory supervision. This article explores the frictions that produce a need for discipline (agency problems) and the mechanisms markets have evolved for dealing with these frictions. Following an examination of the rationales and assumptions underlying subordinated debt proposals, the article concludes that the case tying regulatory intervention to subordinated debt spreads is not clear-cut, and that use of all available information, including equity returns and debt yields, when ...
Bank Supervision Adapts to Pandemic Challenges
Communication between bank management and bank supervisors will remain vital to understanding the challenges banks are facing.
Journal Article
Bernanke focuses on Fed's bank oversight role
Journal Article
CRA reform: the first year
Conference Paper
The information content of bank examinations
Journal Article
Taking market data seriously
Journal Article
New \\"Banker's quick reference guide to CRA\\"
The Community Affairs Office of the Dallas Fed has revised A Banker's Quick Reference Guide to CRA. The publication is a tool for quickly accessing information about CRA regulation and examination procedures.