financial regulation | Gerald R. Ford School of Public Policy
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financial regulation

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In the Media

Wolfers: Silicon Valley Bank run shows need for regulation

Mar 24, 2023 Fast Politics
Justin Wolfers, Fast Politics: "Because of a much broader and much harder truth, which is that even if you're the most fervent believer in market forces, well-run markets require regulation. And nowhere is that more clearly the case than when...
In the Media

Stevenson calls for reinstatement of pre-2018 banking regulations

Mar 21, 2023 ABC Australia
Betsey Stevenson, ABC Australia: "We had [Dodd Frank] regulations put in certain stress tests that banks needed to meet certain liquidity requirements, certain capitalization requirements, and those were for anybody with anything that's over $US50...
CFLP Blue Bag Lunches

CFLP blue bag lunch talk with Prof. Jeffery Zhang

Feb 1, 2023, 12:00-1:00 pm EST
Professor Jeffery Zhang from Michigan Law will be speaking at our February blue bag lunch talk on Wednesday, February 1 at 12pm. The talk will be virtual on Zoom. Please register here by January 31. 
CFLP Blue Bag Lunches

Two public/private divides revisited

Oct 7, 2021, 12:00-1:00 pm EDT
Professor Gabriel Rauterberg explores how the public/private divide in U.S. securities markets interact and questions whether the current structure is socially optimal.
CFLP Blue Bag Lunches

Modernizing bank merger review

Sep 12, 2019, 12:00-1:00 pm EDT
Room 1025 Jeffries Hall
  Sixty years ago, Congress established a federal pre-approval regime for bank mergers to protect consumers from then-unprecedented consolidation in the banking sector. This process worked well for several decades, but it has since atrophied, producing numerous “too big to fail” banks. Professor Kress's research contends that regulators’ current approach to evaluating bank merger proposals is poorly suited for modern financial markets. Policymakers and scholars have traditionally focused on a single issue: whether a bank merger would reduce competition. Over the past two decades, however, changes in bank regulation and market structure—including the repeal of interstate banking restrictions and the emergence of nonbank financial service providers—have rendered bank antitrust analysis largely obsolete. As a result, regulators have rubber stamped recent bank mergers, despite evidence that such deals could harm consumers and destabilize financial markets.  Professor Kress's research asserts that contemporary bank merger analysis should instead emphasize statutory factors that regulators have long neglected: whether a proposed merger would increase systemic risks, enhance the public welfare, and strengthen the relevant institutions. Professor Kress's research urges regulators to modernize their approach, and it proposes a novel framework to ensure that bank merger oversight safeguards the financial system. The proposals contained herein have far-reaching implications not only for bank regulation but also for the ongoing debate over merger policy in technology, agriculture, and other industries.

Consumer Protection in an Age of Uncertainty

Mar 22, 2019, 8:30 am-4:00 pm EDT
Walter and Leonore Annenberg Auditorium, Gerald R. Ford School of Public Policy
Rich Cordray, founding director of the Consumer Financial Protection Bureau and Rohit Chopra, Commissioner on the Federal Trade Commission will keynote.

Jeffery Zhang: Financial Regulation

Feb 1, 2023 0:55:33

Jeffery Zhang presents his research, co-authored with Jeremy Kress, which argues that using the term “macroprudential” to describe modern financial regulation is a myth. February, 2023.