Bernanke habla de bancos comunitarios

Patrick Signoret

El jueves, Bernanke habló sobre la importancia, supervisión y desafíos regulatorios de la banca comunitaria.

Discurso en HTML, PDF. Video del discurso en Bloomberg.

Sobre la ansiedad que pudieran tener los bancos comunitarios:

Community bankers tell us repeatedly that they are concerned about the changing regulatory environment. They touch on a number of areas, but one particular worry is the implementation of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act).

It is important to emphasize that the Congress enacted the Dodd-Frank Act largely in response to the “too big to fail” problem, and that most of its provisions apply only, or principally, to the largest, most complex, and internationally active banks…. The Board in December requested comment on proposed rules for systemically important firms, including stronger capital, leverage, liquidity, and risk-management requirements….

These new standards are not meant to apply to, and clearly would not be appropriate for, community banks. Indeed, the Dodd-Frank Act explicitly exempts community banks from these new enhanced standards. Community banks express concern that the more stringent requirements for larger institutions will eventually find their way to smaller firms; that, however, is not our intent, and we will work to ensure that it does not happen.

La conclusión del discurso:

To conclude, I would like to reemphasize the importance that my colleagues on the Board and I place on the Federal Reserve’s relationship with community banks. The Fed is committed to fair, consistent, and informed examinations that take into account the size, complexity, and individual circumstances of each bank we oversee. We will continue to rely on the many channels of communication I discussed today to improve our supervision, and we will do all we can to eliminate unnecessary costs. By engaging in a constant dialogue with community banks through various communication channels and through the examination process, the Federal Reserve is able to collect important information about local economies and better inform banks about the applicability and expectations of new rules and regulations intended to help keep them safe and sound. Despite economic uncertainties, the condition of community banks is improving, which is reassuring given their undeniable importance to the health of our nation’s economy.

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