During the past three decades, bank supervision and regulation have failed. The banking industry—in the United States and worldwide—has been beset by an array of unprecedented and severe crises. At this AEI event, professor Charles Calomiris will lay out a 10-point "incentive-robust" framework for financial reform and a panel of experts will discuss his work.

What will happen to housing, mortgages and sovereign debt as we keep struggling with these problems, both in the United States and in Europe? What should happen? An expert panel will debate these and other issues around the current financial and economic dilemmas.

The alarm bells are now ringing for the Federal Housing Administration, with delinquencies increasing.  The immediate and pressing issue is the safety and soundness of FHA today and the risk it poses to the taxpayer.  

These amendments were proposed to reduce the regulatory burden on banks and to modernize the Office of the Comptroller of the Currency's regulation to meet the dynamics of the nation's banking markets.  

This statement is available here as an Adobe PDF.  

Longstanding policies that were intended to promote confidence in the independence of regulatory decision-making have now been wiped away by the Dodd-Frank act, which has in effect placed all the financial regulators under the direction of the Treasury secretary.

The Office of the Comptroller of the Currency announced a program to permit nationally-chartered banks to have higher lending limits if they are chartered in states where higher limits are permitted.

This is the second in a series of conferences to explore the regulation of mutual funds. Mutual funds are only one form of collective investment vehicle regulated at the federal level. Other categories include bank common trust funds and collective investment funds, both of which are exempt from the...