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Roleplaying as Chief Strategy Officers

February 4, 2019

Authors

Robert Klingler

Roleplaying as Chief Strategy Officers

February 4, 2019

by: Robert Klingler

On January 25th, Jonathan and I returned to the studio to record the latest podcast for The Bank Account. We’re trying to live up to our commitment to podcast more often in 2019 then we did in 2018; nothing like setting a low bar!

We first briefly discuss the latest IRS regulations for the taxation of Subchapter S banks and the reactions that we’ve seen

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Volcker Rule Impact When Crossing $10 Billion

January 14, 2019

Authors

Robert Klingler

Volcker Rule Impact When Crossing $10 Billion

January 14, 2019

by: Robert Klingler

Under the Economic Growth, Regulatory Reform and Consumer Protection Act, depository institutions and their holding companies with less than $10 billion in assets are excluded from the prohibitions of the Volcker Rule. Accordingly, institutions under $10 billion may, so long as consistent with general safety and soundness concerns, engage once again in proprietary trading and in making investments in covered funds.

On December 21, 2018, the federal regulatory agencies proposed

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Did Congress Release Nearly All Banks from the Volcker Rule?

January 9, 2019

Authors

Robert Klingler

Did Congress Release Nearly All Banks from the Volcker Rule?

January 9, 2019

by: Robert Klingler

Yes.  

The Economic Growth, Regulatory Relief and Consumer Protection Act (EGRRCPA) provided significant regulatory relief for community banks, including broad relief from the Volcker Rule’s prohibition on proprietary trading and investments in covered funds. As previously discussed, Section 203 of EGRRCPA provided an exemption from the Volcker Rule for institutions that are less than $10 billion and whose total trading assets and liabilities are not more than 5% of total consolidated assets. The exemption provides complete relief from the Volcker Rule by exempting such depository institutions from the definition of “banking entity” for purposes of the Volcker Rule.

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2018 Bank M&A Statistics

January 7, 2019

Authors

Robert Klingler

2018 Bank M&A Statistics

January 7, 2019

by: Robert Klingler

2018 was only the fourth most active year over the last five years in terms of the number of insured institutions that agreed to sell. However, perspective is also important, as 2018 was also the fourth most active year over the last ten years, and the most active if measured as a percentage of institutions available to sell. 2018’s 262 bank and thrift deals ended up slightly lower than 2017’s 267 transactions. Based on the 6,670 insured banks and thrifts outstanding as the beginning of the year, 4.6% exited through a business combination.

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A Holiday Buffet of Banking News

December 28, 2018

Authors

Robert Klingler

A Holiday Buffet of Banking News

December 28, 2018

by: Robert Klingler

On December 27th, Jonathan and I returned to the studio to record the latest podcast for The Bank Account. We haven’t discussed New Year’s Resolutions, but we’ll try to return to a little more normalcy in 2019!

For those that have missing our voices, (a) please seek help… that’s not normal and (b) we were also recently guests on the ABA Banking Journal Podcast.

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Regulators Propose Community Bank Leverage Ratio Framework

November 28, 2018

Authors

Robert Klingler

Regulators Propose Community Bank Leverage Ratio Framework

November 28, 2018

by: Robert Klingler

On November 21, 2018, the Federal Reserve, Office of Comptroller of the Currency and the FDIC jointly published a notice of proposed rulemaking (the “NPR”) to provide an alternative capital system for qualifying banking organizations.  Specifically, the regulators have proposed a new, alternative, simplified capital regime for qualifying institutions that will deem an institution to be well-capitalized so long as it maintains a leverage ratio of at least 9% and adequately capitalized so long as it maintains a leverage ratio of at least 7.5%.

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10 Years of BankBCLP.com

October 29, 2018

Authors

Robert Klingler

10 Years of BankBCLP.com

October 29, 2018

by: Robert Klingler

A little over 10 years ago, at the wise encouragement of Walt Moeling, we launched this blog.  From day one, the response from clients, referral sources, regulators and competitors has been amazing.

All in, we’ve published over 1,000 blog posts, authored by almost 100 different attorneys with the firm.  From BankPogo.com to BankBryanCave.com to BankBCLP.com, the site has evolved with the evolution

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10 Year Anniversary of the TARP Capital Purchase Program

October 15, 2018

Authors

Robert Klingler

10 Year Anniversary of the TARP Capital Purchase Program

October 15, 2018

by: Robert Klingler

Ten years ago, on October 13, 2008, the U.S. Treasury Secretary Henry Paulson effectively locked the CEO’s of the nine largest banks in the United States in a conference room and demanded that they accept an investment from the U.S. Government. Although we had front row seats for much of the activity over the ensuing years, reading the New York Times summary of that meeting from the following day still provides a sense of just how shocking all of this was.

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10 Years of Troubled Asset Relief Program

October 3, 2018

Authors

Robert Klingler

10 Years of Troubled Asset Relief Program

October 3, 2018

by: Robert Klingler

10 Years ago today, on October 3, 2008, President George W. Bush signed the Emergency Economic Stabilization Act of 2008, creating the Troubled Asset Relief Program (TARP) and authorizing the expenditure of up to $700 billion.  Pursuant to its obligations under TARP, the Treasury still publishes regular reports on its investments and activities thereunder.  The Treasury has also published a TARP Tracker

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Acronym Soup: A Discussion of Regulatory Reform

October 2, 2018

Authors

Robert Klingler

Acronym Soup: A Discussion of Regulatory Reform

October 2, 2018

by: Robert Klingler

On September 28th, Jonathan and I recorded a brief podcast on the impact of regulatory reform on community banks in 2018.  Before turning to substance, I first congratulated Jonathan on his ability to combine two of our shared passions: college football and mergers & acquisitions.  Jonathan’s post on a Football Fan’s

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