Monetary Matters with Jack Farley Mothballing the Basel III Endgame | The Future of US Bank Regulation with Jason Cave
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Jan 5, 2025 Jason Cave, a senior consultant at Potomac Global Partners with over 30 years of banking regulation experience, shares insights on the evolving landscape of U.S. bank regulations. He discusses the potential reopening of bank mergers and acquisitions, the pause on Basel III, and the optimistic outlook for banks under new leadership. Cave also addresses the future of Fannie Mae and Freddie Mac, emphasizing the ongoing challenges and the push for regulatory reforms that could benefit smaller banks and enhance overall stability in the financial sector.
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Brokered Deposits and Uninsured Deposits
- Brokered deposit rules, while important, are outdated and need review, especially regarding third-party involvement.
- The FDIC's focus should be on uninsured deposit behavior, not overly broad rules.
Overstated Uninsured Deposit Ratios
- Reported uninsured deposit ratios are often overstated due to complexities in accounting and mitigating factors.
- More granular, real-time data is needed for accurate risk assessment.
M&A and Bank Size
- A more open M&A environment will benefit smaller banks.
- Current policies hindering mergers put smaller institutions at a disadvantage.