T he organization of bank regulation in the United States is somewhat peculiar. Banks answer to an array of regulators, both federal and state. To begin with, a bank can choose a national or a state charter. National banks are regulated by the Office of the Comptroller of the Currency (OCC). State banks are regulated by their home states, as well as by a federal regulator. The Federal Reserve S...

One type of credit facility that is currently widely used in banking institutions business circles bank guarantees. In practice, a guarantee as certificate given by to the project owner on behalf contractor, value must be same guaranteed value. This study will analyze and find out about claims collateral for beneficiary construction projects. research normative juridical descriptive-analytical ...

This paper is concerned with the juridical problems on cooperative banks’ regulations Indonesia’s goals stated in 1945 Constitution Republic of Indonesia. The arise due to absence commercial banks form banks. Furthermore, Indonesia has a minimum number rural (BPR Co). Currently, OJK registered only 19 BPR Co out 1545 BPRs (0.01%). study aims examine bank regulation as Constitution. It normative...

This paper argues that market price sensitive capital regulation together with financial regulator’s bailout policy can induce banks to herd by investing in highly correlated asset ex ante, thus increase the likelihood of systemic risk ex post. The paper follows Acharya and Yorulmazer’s (2007) study of “Too Many to Fail” problem in a twobank model. They argue that in order to reduce the social ...

As part of the regulatory response to the recent global financial crisis, the Basel Committee on Banking Supervision (BCBS) announced a new international regulatory framework for banks, known as Basel III. One important component of Basel III is the Liquidity Coverage Ratio (LCR), which aims to ensure that banks hold a more liquid portfolio of assets and rely on the central bank for funding onl...

We investigate the optimal design of bank regulation by developing a tractable general equilibrium model of competitive banks who are exposed to idiosyncratic and aggregate risk. A comparison of the autarkic equilibrium allocations with the efficient allocations reveals that the autarkic economy underinvests in production when aggregate risk is below a threshold, but overinvests in production w...

THE FEDERAL BANKING REGULATORS: AGENCY CAPTURE, REGULATORYFAILURE, AND INDUSTRY COLLAPSE DURING THE 2008 FINANCIAL CRISISbyJUSTIN REXAugust 2013Advisor: Dr. Marjorie Sarbaugh-ThompsonMajor: Political ScienceDegree: Doctor of Philosophy This dissertation examines the process of agency capture at four federal bank regulatoryagencies leading up to the 2008 finan...

In addition to revamping existing rules for bank capital, Basel III introduces a new global framework for liquidity regulation. One part of this framework is the liquidity coverage ratio (LCR), which requires banks to hold sufficient high-quality liquid assets to survive a 30-day period of market stress. As monetary policy typically involves targeting the interest rate on loans of one of these ...

Sharia banking's characteristic, which underpins its activities on sharia principles, requires a customer protection mechanism in accordance with characteristics, including deposit insurance. This study aims to determine the readiness of banking regulations insurance Indonesia strengthen for Banking Customers. article is normative juridical research that applies an analytical descriptive approa...