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Working Paper
The potential impact of explicit Basel II operational risk capital charges on the competitive environment of processing banks in the United States
Basel II replaces Basel I?s implicit capital charge on operational risk with an explicit charge. Certain U.S. banks concentrated in processing-related business lines ? which have significant operational risk ? could thus face an increase in overall minimum regulatory capital requirements. Some have argued that, as a result, these so-called ?processing banks? would be disadvantaged vis--vis competitors not subject to regulatory capital requirements for operational risk. This paper evaluates these concerns.
Journal Article
Market and risk management innovations: implications for safe and sound banking
This commentary reviews three of the major innovations suggested in Benston et al. (1986): movement toward greater risk-sensitive approaches, an enhanced role for market discipline and disclosure, and earlier intervention for troubled banks. The author then discusses environmental changes that may not have been anticipated two decades ago and some implications for bank supervision and regulation.
Speech
Understanding the housing collapse: what is to blame and what can be done?
Opening remarks by Eric S. Rosengren, President and Chief Executive Officer, Federal Reserve Bank of Boston, at the conference, ?Understanding the Housing Collapse: What is to Blame and What Can Be Done??, co-sponsored by the Harvard Kennedy School's Rappaport Institute for Greater Boston, Boston, May 5, 2010