Bank Policy Institute

Bank Policy Institute The Bank Policy Institute (BPI) is a nonpartisan research and advocacy group representing the nation’s leading banks. The Bank Policy Institute (BPI) is a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks.

Our members include universal banks, regional banks and the major foreign banks doing business in the United States. Collectively, they employ nearly 2 million Americans, make 72% of all loans and nearly half of the nation’s small business loans and serve as an engine for financial innovation and economic growth. Our staff includes economists, researchers, financial analysts and attorneys, all focused on using data and analysis to shape sound policy. We distribute our research and analysis to U.S. and global regulators, members of Congress, academics and media through academic-quality research papers, blog posts, white papers, comment letters, and Congressional testimony. We also serve our members through our Business-Innovation-Technology-Security division (better known as BITS), which provides an executive-level forum to discuss and promote current and emerging technology, foster innovation, reduce fraud and improve cybersecurity and risk management practices for the nation’s financial sector. We take as a given that the business of banking is the business of taking and managing risk. BPI aims to shape policy to allow the nation’s leading banks to best serve their customers and fulfill their vital economic role while holding sufficient capital and liquidity to ensure that the risks they take are borne by their shareholders and creditors, not the taxpayer.

Operating as usual

ICYMI in BPInsights —▶️ Bank CEOs Testify on Capitol Hill▶️ Quarles Speaks on Capital, Crypto, Supervision▶️ Treasury No...
05/29/2021
BPInsights: May 28, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Bank CEOs Testify on Capitol Hill
▶️ Quarles Speaks on Capital, Crypto, Supervision
▶️ Treasury Nominee Liang Seeks Bond Market Review; Batchelder Eyes IRS Boost

And more: https://bpi.com/bpinsights-may-28-2021/

Stories Driving the Week Bank CEOs Testify on Capitol Hill The CEOs of JPMorgan Chase, Bank of America, Wells Fargo, Goldman Sachs, Citigroup and Morgan

Share repurchases & dividend distributions are important tools used by companies, enabling the movement of investment do...
05/26/2021
Stock Buyback ABCs - Bank Policy Institute

Share repurchases & dividend distributions are important tools used by companies, enabling the movement of investment dollars to where they can produce the greatest economic growth.

Learn more about buybacks and why companies engage in these activities: https://bpi.com/stock-buyback-abcs/

What is a stock buyback? A company uses its cash to purchase its stock from a stockholder who wishes to sell, generally on the open market. What is the

The SolarWinds compromise, the Microsoft Exchange Server hack and the ransomware attack against Colonial Pipeline illust...
05/24/2021
The President’s Cyber E.O. is a Strong Start. Now It’s Congress’s Turn to Act - Bank Policy Institute

The SolarWinds compromise, the Microsoft Exchange Server hack and the ransomware attack against Colonial Pipeline illustrate it’s not a question of “if” but rather “when.”

The Executive Order on cyber is a strong start. Now it’s time for Congress to act.

https://bpi.com/the-presidents-cyber-eo-is-a-strong-start-now-its-congresss-turn-to-act/

A string of recent high-profile incidents has made it clear our nation’s cybersecurity defenses are woefully inadequate. These events — starting with the

ICYMI in BPInsights —▶️ Top Takeaways from the Hill’s Regulator Hearing▶️ The President’s Cyber E.O. is a Strong Start. ...
05/22/2021
BPInsights: May 22, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Top Takeaways from the Hill’s Regulator Hearing
▶️ The President’s Cyber E.O. is a Strong Start. Now It’s Congress’s Turn to Act
▶️ OCC Moves Toward CRA Overhaul

And more: https://bpi.com/bpinsights-may-22-2021/

Stories Driving the Week Top Takeaways from the Hill’s Regulator Hearing Here are the major policy themes from the House Financial Services Committee

Ransomware attacks are pervasive across critical industries and remain top-of-mind for cybersecurity leaders.BITS compil...
05/18/2021
Ransomware: A Resource Guide - Bank Policy Institute

Ransomware attacks are pervasive across critical industries and remain top-of-mind for cybersecurity leaders.

BITS compiled the following resources to help financial institutions better protect against and navigate this growing threat: https://bpi.com/ransomware-a-resource-guide/

Ransomware attacks continue to be pervasive across financial services and other critical industries and remain top-of-mind for cybersecurity leaders.

ICYMI in BPInsights —▶️ Why Criminals Prefer Crypto, and Other Things to Know About Ransomware▶️ FinTech Access to Fed A...
05/15/2021
BPInsights: May 15, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Why Criminals Prefer Crypto, and Other Things to Know About Ransomware
▶️ FinTech Access to Fed Accounts and the Nation’s Payments Systems: A Primer
▶️ BPI Blog: Climate Risk and Bank Capital Requirements

And more: https://bpi.com/bpinsights-may-15-2021/

Stories Driving the Week Why Criminals Prefer Crypto, and Other Things to Know About Ransomware The cyberattack on Colonial Pipeline is just the most

Ransomware is on the rise, perpetrated by both criminal groups and nation-state actors. In fact, one BPI member reported...
05/12/2021
Top 7 Things to Know About Ransomware and Why Criminals Prefer Crypto Payments - Bank Policy Institute

Ransomware is on the rise, perpetrated by both criminal groups and nation-state actors. In fact, one BPI member reported a 334% rise in attacks on its clients so far this year.

The one constant: these criminals demand that the ransom be paid in crypto: https://bpi.com/top-7-things-to-know-about-ransomware-and-why-criminals-prefer-crypto-payments/

The cyberattack on Colonial Pipeline is just the most recent example of ransomware – perpetrated by both criminal groups and nation-state actors – and the

ICYMI in BPInsights —▶️ Big Tech, FinTech Payment System Access Hinges on Fed’s Path Forward▶️ BPI Supports FinCEN AML R...
05/08/2021
BPInsights: May 8, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Big Tech, FinTech Payment System Access Hinges on Fed’s Path Forward
▶️ BPI Supports FinCEN AML Rollout, Makes Recommendations
▶️ BPI Blog: Goldilocks and the Fourth Way

And more: https://bpi.com/bpinsights-may-8-2021/

Stories Driving the Week Big Tech, FinTech Payment System Access Hinges on Fed’s Path Forward “The issue of who can access the Federal Reserve’s payment

ICYMI in BPInsights —▶️ Regulators Ask Banks to Assess Climate-Related Risks from Largest Counterparties, but Data Gaps ...
05/01/2021
BPInsights: May 1, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Regulators Ask Banks to Assess Climate-Related Risks from Largest Counterparties, but Data Gaps Persist
▶️ The Dollar, the Yuan and CBDCs: What Talks, What Walks

And more: https://bpi.com/bpinsights-may-1-2021/

Stories Driving the Week Regulators Ask Banks to Assess Climate-Related Risks from Largest Counterparties, but Data Gaps Persist  With regulators

ICYMI in BPInsights —▶️ Climate in Global Focus at Treasury, White House Summit▶️ BPI Meets with Treasury’s Adeyemo ▶️ L...
04/24/2021
BPInsights: April 24, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Climate in Global Focus at Treasury, White House Summit
▶️ BPI Meets with Treasury’s Adeyemo
▶️ Lawmakers Sound Bipartisan Warning on Banking Backdoor for Big Firms

And more: https://bpi.com/bpinsights-april-24-2021/

Stories Driving the Week Climate in Global Focus at Treasury, White House Summit Climate was in the spotlight among policymakers this week as the

ICYMI in BPInsights —▶️ Fed Finalizes Supervisory Guidance Rule▶️ First Yellen-Led FSOC Meeting Signals Focus on Climate...
04/03/2021
BPInsights: April 3, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Fed Finalizes Supervisory Guidance Rule
▶️ First Yellen-Led FSOC Meeting Signals Focus on Climate, Fund Liquidity
▶️ Quarles Says Views 'Evolved' on CCyB
▶️ Biden Unveils Infrastructure Plan

And more: https://bpi.com/bpinsights-april-3-2021/

Stories Driving the Week Fed Finalizes Supervisory Guidance Rule The Federal Reserve on March 31 finalized a rule on the role of supervisory guidance. The

03/27/2021

ICYMI in BPInsights —

▶️ Five Things to Know from Powell and Yellen’s Hill Testimony
▶️ Fed Will Lift Pandemic-Related Capital Distribution Restrictions for Banks That Pass June Stress Test

And more: https://bpi.com/bpinsights-march-27-2021/

ICYMI in BPInsights —▶️ BPI Website Offers Closer Look at FinTech, Big Tech Loopholes▶️ ILCs in Focus at BPI Event, New ...
03/13/2021
BPInsights: March 13, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ BPI Website Offers Closer Look at FinTech, Big Tech Loopholes
▶️ ILCs in Focus at BPI Event, New Research Note
▶️ Joint Trades Urge Congress to Shield Economic Impact Payments from Garnishment

And more: https://bpi.com/bpinsights-march-13-2021/

Stories Driving the Week BPI Website Offers Closer Look at FinTech, Big Tech Loopholes As FinTech firms vie for a bigger slice of global financial

The “move fast and break things” mentality of Silicon Valley should not be given a free pass when it comes to the safety...
03/10/2021
Keep Banking Safe

The “move fast and break things” mentality of Silicon Valley should not be given a free pass when it comes to the safety of the U.S. banking system and the financial health of Americans.

Learn more at www.KeepBankingSafe.com. #KeepBankingSafe

Allowing tech companies to enjoy the privileges of being a bank without meeting the same obligations threatens the safety and strength of the banking system.

ICYMI in BPInsights —▶️ Large, Midsize Banks Outperformed Small Banks, Nonbank Rivals in Focus on Minority-Neighborhood ...
03/06/2021
BPInsights: March 06, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Large, Midsize Banks Outperformed Small Banks, Nonbank Rivals in Focus on Minority-Neighborhood Businesses
▶️ Regulators Need to Revisit the Calibration of Leverage Ratios

And more: https://bpi.com/bpinsights-march-06-2021/

Stories Driving the Week Large, Midsize Banks Outperformed Small Banks, Nonbank Rivals in Focus on Minority-Neighborhood Businesses Large and midsize

ICYMI in BPInsights —▶️ Op-Ed: Streamline Bank Rules for Spotting Sanctions Violators▶️ BPI Blog: Time for the Fed to Re...
02/27/2021
BPInsights: February 27, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ Op-Ed: Streamline Bank Rules for Spotting Sanctions Violators
▶️ BPI Blog: Time for the Fed to Return to the Regular Rulebook
▶️ At Capitol Hill Hearings, Powell Weighs in on CRA, Climate

And more: https://bpi.com/bpinsights-february-27-2021/

Stories Driving the Week Op-Ed: Streamline Bank Rules for Spotting Sanctions Violators "Check the box" compliance practices are hampering bank efforts to

ICYMI in BPInsights —▶️ BPI Asks Fed to Spur Fresh Unified CRA Approach▶️ Waters: Market Maker Citadel May Pose ‘Systemi...
02/20/2021
BPInsights: February 20, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ BPI Asks Fed to Spur Fresh Unified CRA Approach
▶️ Waters: Market Maker Citadel May Pose ‘Systemic Threat’
▶️ Preliminary BPI Analysis: This Year’s Stress Scenarios Appear to be More Severe Relative to Last June

And more: https://bpi.com/bpinsights-february-20-2021/

Stories Driving the Week BPI Asks Fed to Spur Fresh Unified CRA Approach BPI called on the Federal Reserve in a comment letter on Feb. 16 to invite the

ICYMI in BPInsights —▶️ The Fact That Big Banks’ Stock Prices Got Hammered This Spring Hardly Proves Banks Are TBTF▶️ FT...
02/13/2021
BPInsights: February 13, 2021 - Bank Policy Institute

ICYMI in BPInsights —

▶️ The Fact That Big Banks’ Stock Prices Got Hammered This Spring Hardly Proves Banks Are TBTF
▶️ FT: Banks Want Tech Disrupters to Play Fair
▶️ Biden Considering Lisa Cook, William Spriggs For Open Fed Seat

And more: https://bpi.com/bpinsights-february-13-2021/

Stories Driving the Week The Fact That Big Banks’ Stock Prices Got Hammered This Spring Hardly Proves Banks Are TBTF BPI Chief Economist Bill Nelson

The bank examination process is complex.We're hosting a virtual training on Feb. 17 to explain how bank examination work...
02/05/2021
Bank Regulation 101 Series: Part 1 - Bank Policy Institute

The bank examination process is complex.

We're hosting a virtual training on Feb. 17 to explain how bank examination works, and to educate others on several core topics related to bank regulation.

To register or to preview our presentation, please visit: https://bpi.com/events/bank-regulation-101-series-part-1/

How are banks structured and how do agencies provide oversight? This event covers a range of topics on charters and permissible activities.

ICYMI in BPInsights:▶️ OCC Finalizes ‘Fair Access’ Rule That Would Bind Banks’ Decision-Making▶️ Banks Showed Resilience...
01/16/2021
BPInsights: January 16, 2021 - Bank Policy Institute

ICYMI in BPInsights:

▶️ OCC Finalizes ‘Fair Access’ Rule That Would Bind Banks’ Decision-Making
▶️ Banks Showed Resilience, Boosted Struggling Economy in 2020
▶️ Five Big Ideas for 2021 from the ABA Banking Law Conference

And more—https://bpi.com/bpinsights-january-16-2021

Stories Driving the Week OCC Finalizes ‘Fair Access’ Rule That Would Bind Banks’ Decision-Making Acting Comptroller Brian Brooks finalized the OCC’s “fair

Using SBA loan-level data merged w/ data from the Census Bureau & Treasury, our analysis found that neighborhoods with a...
01/06/2021
Neighborhood Demographics and the Allocation of Paycheck Protection Program Funds - Bank Policy Institute

Using SBA loan-level data merged w/ data from the Census Bureau & Treasury, our analysis found that neighborhoods with a high percentage of minorities received significantly more #PPP dollars per small business than other areas.

Read the full report ▶️ https://bpi.com/neighborhood-demographics-and-the-allocation-of-paycheck-protection-program-funds

The federal government’s Paycheck Protection Program (PPP) was authorized by the Congress as part of the CARES Act to help small businesses and their

Ransomware attacks continue to be pervasive across critical industries and remain top-of-mind for cybersecurity leaders....
01/05/2021
Ransomware: A Resource Guide - Bank Policy Institute

Ransomware attacks continue to be pervasive across critical industries and remain top-of-mind for cybersecurity leaders. Check out this list of resources compiled by BITS to help financial institutions navigate the threat of a ransomware attack: https://bpi.com/ransomware-a-resource-guide/.

Ransomware attacks continue to be pervasive across financial services and other critical industries and remain top-of-mind for cybersecurity leaders.

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The Bank Policy Institute (BPI) is a nonpartisan public policy, research and advocacy group, representing the nation’s leading banks. Our members include universal banks, regional banks and the major foreign banks doing business in the United States. Collectively, they employ nearly 2 million Americans, make 72% of all loans and nearly half of the nation’s small business loans and serve as an engine for financial innovation and economic growth.

Our staff includes economists, researchers, financial analysts and attorneys, all focused on using data and analysis to shape sound policy. We distribute our research and analysis to U.S. and global regulators, members of Congress, academics and media through academic-quality research papers, blog posts, white papers, comment letters, and Congressional testimony.

We also serve our members through our Business-Innovation-Technology-Security division (better known as BITS), which provides an executive-level forum to discuss and promote current and emerging technology, foster innovation, reduce fraud and improve cybersecurity and risk management practices for the nation’s financial sector.

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