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Opinion Pieces 

Often our state commissioners will write opinion pieces published in local and national periodicals.  Here you will find these articles archived for your reference and convenience.

2016

The Hill

The OCC Overreach
By Charles Cooper, Chairman of CSBS and Commissioner of the Texas Department of Banking - January 25, 2017

2016

American Banker

Fintech Regulation: A State Regulator's Perspective
By Bryan Schneider, Secretary of the Illinois Department of Financial & Professional Regulation - October 19, 2016
Originally published in the American Banker.

2015

American Banker

Too Small to Comply: Florida Regulator on Dodd-Frank's Defects
By Drew Breakspear, Commissioner of the Florida Office of Financial Regulation - August 9, 2015
Originally published in the American Banker.

2013

Wisconsin Banker

Time for more tiered regulation
By Peter Bildsten, Secretary of the Wisconsin Department of Financial Institutions – August 2013.
Originally published in the August 2013 edition of Wisconsin Banker, a publication of the Wisconsin Bankers Association.

American Banker

Fed Board Needs an Experienced Bank Supervisor
By Charles A. Vice, Commissioner of the Kentucky Department of Financial Institutions and Chairman of CSBS – November 14, 2013.
Originally published by American Banker’s BankThink Blog, available here (subscription required).

Blocking Newcomers is Bad for Banking
By Mark Kaufman, Commissioner of the Maryland Office of Financial Regulation – June 27, 2013.
Originally Published by American Banker’s BankThink Blog, available here (subscription required).

Don’t Blame Camels for Human Failures
By Ray Grace, Commissioner of the North Carolina Office of the Commissioner of Banks – June 4, 2013
Originally published by American Banker’s BankThink Blog, available here (subscription required).

‘Rural’ Mortgage Definition Another One-Size-Fits-All Rule
By John Ducrest, Louisiana Commissioner of Financial Institutions, Immediate Past Chairman of CSBS, and State Banking Supervisor Representative on the FSOC – April 15, 2013
Originally published by American Banker’s BankThink Blog, available here (subscription required).

Complex Consumer Protection Laws Keep Small Banks from Serving Unbanked
By Charles G. Cooper, Banking Commissioner of the Texas Department of Banking and Treasurer of CSBS – March 21, 2013
Originally published by American Banker’s BankThink Blog, available here.

Raise Capital Levels, But Ditch Basel III
By Greg Gonzales, Commissioner of the Tennessee Department of Financial Institutions and Chairman of CSBS – March 1, 2013
Originally published by American Banker’s BankThink Blog, available here.

2012

American Banker

Don’t Punish Consumers for Servicers’ Foreclosure Backlogs
By Mark Kaufman, Commissioner of the Maryland Office of Financial Regulation – November 20, 2012
Originally published by American Banker’s BankThink Blog, available here.

Economic Recovery Still Needs TAG
By John P. Ducrest, Louisiana Commissioner of Financial Institutions and CSBS Chairman – March 19, 2012
Originally published by American Banker’s BankThink Blog, available here.

2011

BNA's Banking Report

Regulators Urged to Encourage, Not Thwart, Private Equity Investment
By Joseph Smith, North Carolina – August 30, 2011
* Reproduced with permission from BNA's Banking Report, 97 BNKR 336 (Aug. 30, 2011). Copyright 2011 by The Bureau of National Affairs, Inc. (800-372-1033)

American Banker

Capital Spigot for Small Banks Is Too Tight
By Mark Kaufman, Maryland Commissioner – July 28, 2011
Originally published by American Banker’s BankThink Blog, available here.

Bair Led by Listening
By John P. Ducrest, Louisiana Commissioner of Financial Institutions and CSBS Chairman – June 28, 2011
Originally published by American Banker’s BankThink blog, available here.

2010

BNA's Banking Report

Managing Preemption and Oversight in a Modernize Dual Banking System
by Richard Neiman, New York Superintendent of Banks - May 18 2010
* Reproduced with permission from BNA's Banking Report, 94 BBR 993 (May 18, 2010). Copyright 2010 by The Bureau of National Affairs, Inc. (800-372-1033)

FinReg21

Effective Cross-Border Supervision: From Imperative to Implementation
By Richard Neiman, New York Superintendent of Banks - January 18, 2010 

2009

FinReg21

Regulatory Reform and the Timeless Value of Federalism
By Howard Pitkin, Connecticut Banking Commissioner  - November 30, 2009

Seattle Times

Give States the Power to Regulate Lending by National Banks
By Scott Jarvis, Washington State Director of Financial Institutions -October 28, 2009 

DeSoto Times Tribune 

Report on Mississippi Banking
By John S. Allison, Commissioner, Mississippi Department of Banking and Consumer Finance - October 23, 2009

Hartford Courant

Proposed Regulations Harmful to Small Banks
by Howard Pitkin, August 26 2009

The Wall Street Journal

Let’s Keep Many Eyes on the Banks
by Richard Neiman, June 5 2009

     
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