Regulators’ Bank Capital Proposals Don’t Go Far Enough To Improve Financial Stability ArticleJan 16, 2024 Regulators’ Bank Capital Proposals Don’t Go Far Enough To Improve Financial Stability While the 2023 bank capital proposals make important improvements to the regulatory framework, new CAP empirical analysis shows that additions to bank equity are modest and must be larger to substantially enhance the stability of the largest banks. Jan 16, 2024 Marc Jarsulic, Lilith Fellowes-Granda
CAP Comments on Regulators’ Proposals To Increase Bank Capital Requirements ArticleDec 14, 2023 CAP Comments on Regulators’ Proposals To Increase Bank Capital Requirements The Center for American Progress submitted a comment letter to the Office of the Comptroller of the Currency, Federal Reserve, and Federal Deposit Insurance Corporation on their proposals to raise capital requirements for the largest banks—those with assets of $100 billion or more. Dec 14, 2023 Marc Jarsulic, Lilith Fellowes-Granda
CAP Submits Comments to the Office of Information and Regulatory Affairs on the Federal Insurance Office’s Climate Risk Data Collection Sign-On LetterDec 14, 2023 CAP Submits Comments to the Office of Information and Regulatory Affairs on the Federal Insurance Office’s Climate Risk Data Collection The Center for American Progress submitted a comment letter to the Office of Information and Regulatory Affairs on the Federal Insurance Office’s climate-related financial risk data collection. Dec 14, 2023 Lilith Fellowes-Granda
4 Things Bank Regulators Can Do to Help Prevent Bank Failures ArticleApr 27, 2023 4 Things Bank Regulators Can Do to Help Prevent Bank Failures In addressing the recent instability within the U.S. financial system, regulators must confront continuing risk and bank fragility. Apr 27, 2023 Marc Jarsulic, Alexandra Thornton, Lilith Fellowes-Granda
5 Priorities for the Financial Stability Oversight Council ReportMar 31, 2021 5 Priorities for the Financial Stability Oversight Council A vigorous FSOC could go a long way toward creating a U.S. financial system that is resilient and positioned to support long-term growth. Mar 31, 2021 Gregg Gelzinis
Fact Sheet: A Stronger Regulatory Framework for Shadow Banks Fact SheetJul 18, 2019 Fact Sheet: A Stronger Regulatory Framework for Shadow Banks Improving the regulation of large, complex, and interconnected shadow banks and their activities would help to protect the economy from another financial collapse. Jul 18, 2019 Gregg Gelzinis
3 of Trump’s Regulatory Rollbacks Could Cost People Almost $42 Billion a Year ArticleApr 25, 2019 3 of Trump’s Regulatory Rollbacks Could Cost People Almost $42 Billion a Year President Trump’s deregulatory agenda is hurting Americans in their paychecks, in their retirement savings, and at the pump. Apr 25, 2019 Sam Berger, Malkie Wall
President Trump’s Regulatory Rollbacks Are an Attack on Americans’ Wallets ArticleMar 27, 2019 President Trump’s Regulatory Rollbacks Are an Attack on Americans’ Wallets The Trump administration is rewriting economic rules—and everyday Americans are paying the price. Mar 27, 2019 Sam Berger, Malkie Wall
10 Years Later: The Financial Crisis State by State ArticleFeb 22, 2018 10 Years Later: The Financial Crisis State by State States were devastated by the financial crisis, and Congress should not plant the seeds of the next one through deregulation. Feb 22, 2018 Joe Valenti
The Trump Administration Is Quietly Slashing Financial Stability Funding ArticleDec 7, 2017 The Trump Administration Is Quietly Slashing Financial Stability Funding Gutting funding for the Financial Stability Oversight Council and the Office of Financial Research does not save taxpayers a dime and makes the U.S. financial system less safe. Dec 7, 2017 Gregg Gelzinis
Reaching Families Outside the Financial System Past EventOct 30, 2014 Reaching Families Outside the Financial System Oct 30, 2014
Is the FHA Distressed Asset Stabilization Program Meeting Its Goals? ReportSep 5, 2014 Is the FHA Distressed Asset Stabilization Program Meeting Its Goals? On DASP’s two-year anniversary, CAP provides recommendations for how the Federal Housing Administration can better help neighborhoods and homeowners while still saving money for taxpayers. Sep 5, 2014 Sarah Edelman, Julia Gordon, Aashna Desai
Rethinking the Federal Housing Administration ArticleJul 12, 2013 Rethinking the Federal Housing Administration Senior Fellow Jim Carr delivers a speech at the American Enterprise Institute. Jul 12, 2013 Jim Carr
Protecting Consumers and Preserving Lending Programs ArticleMar 1, 2013 Protecting Consumers and Preserving Lending Programs The Center for American Progress Housing team submits comments to the Consumer Financial Protection Bureau on the qualified mortgage rule’s concurrent proposal. Mar 1, 2013 the CAP Housing Team
Examining the Proper Role of the Federal Housing Administration in Our Mortgage Insurance Market ArticleFeb 6, 2013 Examining the Proper Role of the Federal Housing Administration in Our Mortgage Insurance Market Julia Gordon, Director of Housing Finance and Policy at the Center for American Progress, testifies before the House Committee on Financial Services. Feb 6, 2013 Julia Gordon
Fact Sheet: The Federal Housing Administration’s 2012 Actuarial Report ReportNov 19, 2012 Fact Sheet: The Federal Housing Administration’s 2012 Actuarial Report Seven key facts about the report and what you need to know about the agency's future. Nov 19, 2012 John Griffith
Capital Rules Should Promote Safety and Soundness ArticleOct 22, 2012 Capital Rules Should Promote Safety and Soundness Comments from the CAP Housing team, the Mortgage Finance Working Group, and several other leading housing and consumer advocacy organizations outline how capital rules should help promote long-term homeownership. Oct 22, 2012 the CAP Housing Team, the Mortgage Finance Working Group
The Federal Housing Administration Saved the Housing Market ReportOct 11, 2012 The Federal Housing Administration Saved the Housing Market Without the cash-strapped agency’s help in recent years, the housing crisis and resulting economic downturn would have been much worse. Oct 11, 2012 John Griffith
Strengthening the Consumer Financial Protection Bureau’s Proposed Mortgage Servicing Standards ArticleOct 9, 2012 Strengthening the Consumer Financial Protection Bureau’s Proposed Mortgage Servicing Standards A comment letter from the Center for American Progress outlines three main ways the bureau can strengthen its proposed standards. Oct 9, 2012 Julia Gordon
The FHA Is on Board With Principal Reduction ArticleJun 11, 2012 The FHA Is on Board With Principal Reduction John Griffith argues that with most of the mortgage industry embracing principal reduction as a way to help troubled homeowners, Fannie Mae and Freddie Mac should follow suit. Jun 11, 2012 John Griffith
The Importance of a Homeowner Bill of Rights ArticleFeb 17, 2012 The Importance of a Homeowner Bill of Rights Peter Swire and Jordan Eizenga detail how proposed rules for increased transparency in the servicing of mortgages will benefit all involved. Feb 17, 2012 Peter Swire, Jordan Eizenga
Tackling Climate Change and Environmental Injustice Tackling Climate Change and Environmental Injustice We pursue climate action that meets the crisis’s urgency, creates good-quality jobs, benefits disadvantaged communities, and restores U.S. credibility on the global stage.
Restoring Social Trust in Democracy Restoring Social Trust in Democracy Democracy is under attack at home and abroad. We must act to ensure it is accessible to all, accountable, and can serve as a force of good.
Building an Economy for All Building an Economy for All Economic growth must be built on the foundation of a strong and secure middle class so that all Americans benefit from growth.