bank regulation
Lender compliance rules
Bank regulation is government oversight of financial institutions—the rules governing how banks operate, how much capital they must hold, what risks they can take, and how they must treat depositors.
Regulations aim to prevent bank failures and protect the financial system: Bank regulation tightened significantly after the 2008 crisis.
The term covers both the rules themselves and the activity of enforcing them.
Overseeing people or processes
- examinationMethodical assessment or review
- monitoringOngoing observation of something
- auditFormal accounts examination
- enforcementCompelling compliance with rules
compliance · scrutiny · inspection · watchdog · on-site inspection · corrective action · cease and desist · license revocation
Minimum funds banks must hold
- stress testingEvaluating capacity under extreme conditions
- consumer protectionLaws defending purchasers' interests
- fiduciary dutyObligation to act loyally
- too big to failRequiring rescue due to scale
National monetary authority holdings
- FDICFederal deposit guarantor
- SECStock market regulator
- FINRABrokerage self-regulatory body
- treasury departmentGovernment body managing public funds
supervision
Overseeing people or processes
- examinationMethodical assessment or review
- monitoringOngoing observation of something
- auditFormal accounts examination
enforcement · compliance · scrutiny · inspection · watchdog · on-site inspection · corrective action · cease and desist · license revocation · risk assessment
capital requirements
Minimum funds banks must hold
- stress testingEvaluating capacity under extreme conditions
- consumer protectionLaws defending purchasers' interests
- fiduciary dutyObligation to act loyally
federal reserve
National monetary authority holdings
- bankingATM, ATMs, account, accounts, deposit
- economic policymonetary policy, tax policy, fiscal discipline, fiscal stimulus, fiscal restraint
- financial reformtax reform, budget reform, pension reform, market reform, currency reform
- moneydollar, euro, coin, cash, pound
- British Economypound sterling, sterling, GDP, budget deficit, national debt
- fiscal policybudget deficit, deficit spending, national budget, budget surplus, budget deficits
bank regulationfinancial deregulation
Reducing government economic controls
deregulation · self-regulation · non-intervention · predatory lending · shadow banking
bank regulationlaissez-faire economics
Minimal state economic involvement
neoliberalism · Austrian economics · monetarism · supply-side economics
bank, banks, banked, banking, banker, bankers, regulate, regulates, regulated