The one-in-a-thousand-day problem
Financial crises usually inflict the most damage when banks suddenly shift from pursuing profits to survival. Jon Danielsson argues that this can’t be regulated away
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banking supervision
The first decade of European supervision: taking stock and looking ahead
The macro-financial environment is changing profoundly. Frank Elderson reflects on the first decade of European banking supervision and looks at the path ahead
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Engaging with the machine: AI and financial stability
AI is being used for a wide and increasing range of applications in financial services. Sarah Breeden explores the novel features of Generative AI and how we can uphold financial stability whilst harnessing its potential benefits for economic growth
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Charting the course: prudential regulation and supervision for smooth sailing
It is critical that bankers, policymakers and supervisors do not forget the lessons from the past. Erik Thedéen considers the Basel III framework, the cornerstone of the response to the GFC
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A balanced approach to finishing Basel 3.1 in the UK
The Prudential Regulation Authority has published its near-final Basel 3.1 rules. Phil Evans explains why the package of reforms is needed, arguing it supports the UK’s growth, competitiveness and the resilience of the banking system
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The next steps on bank capital requirements
Bank capital is a key component of the financial system. Michael Barr outlines a sweeping overhaul easing two major draft bank capital rules
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The consequences of bank capital reform
The Basel III ‘endgame’ standards are to be implemented. Michelle Bowman considers the potential consequences of bank capital reform measures, both in the United States and around the world
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Innovation in the financial system
Michelle Bowman focuses on financial technology innovations and the developing financial regulatory framework, which should be dynamic and one that can accommodate new technology and services
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Bank liquidity, regulation, and the Fed’s role as lender of last resort
Bank regulators are planning to introduce a package of liquidity regulations later this year in response to last year’s bank failures. Michelle Bowman discusses potential changes to improve liquidity for banks in times of stress
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Tailoring, fidelity to the rule of law, and unintended consequences
Michelle Bowman discusses the role of tailoring in the regulation of banks, and how it allows the safety and soundness of the banking system and US financial stability
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