Banking Regulation
The Credit Score Paradox: Why Financial Health Makes You a Target for More Debt
An analysis of the conflict of interest in fintech, where good financial health makes consumers a target for new debt, and its impact on the economy.
The 10% Cap Conundrum: Trump’s Credit Card Proposal and the Future of American Finance
A proposed 10% credit card interest rate cap sparks debate. We analyze its potential impact on consumers, banking, fintech, and the wider US economy.
Trump’s 10% Credit Card Rate Cap: Economic Lifeline or Financial Chaos?
A deep dive into Donald Trump’s 10% credit card rate cap proposal, analyzing its potential impact on the economy, banking, and consumer finance.
Beyond the Brink: Why Fixing Banking Requires More Than Just Stronger Walls
Focusing on bank capital ratios is a distraction. The real problem is the unstable model of money creation, and fintech is exposing its flaws.
The Swiss Gambit: Why “Too Big to Fail” Just Met Its Match in the Alps
Switzerland’s rejection of “too big to fail” rules for its megabank UBS is a high-stakes gamble. Is it a brave stand or a reckless financial error?
Behind Closed Doors: Why the NY Fed’s “Impromptu” Meeting with Wall Street Is a Warning Sign
The NY Fed’s impromptu meeting with Wall Street signals deep concerns about money market stability, a crucial component of the global financial system.
Beyond the Bonus: Why ANZ’s $19 Million Pay Cut Signals a New Era for Banking Accountability
ANZ Bank’s board slashed A$19 million in executive bonuses following a bond scandal, signaling a new era of corporate accountability in the finance industry.
Echoes of 2008? A Banking Titan’s Stark Warning on the $1.7 Trillion Private Credit Market
UBS Chair Colm Kelleher warns of systemic risk from private credit, drawing chilling parallels to the “ratings shopping” that preceded the 2008 crisis.
History’s Warning: Are We Ignoring the Lessons of the 1970s Banking Crisis?
A forgotten 1970s banking crisis offers stark warnings for today’s economy, revealing timeless lessons about risk, regulation, and speculative bubbles.
60,000 Mortgages at Risk: The Unintended Consequence of a UK Savings Overhaul
A proposed cut to the cash Isa limit could slash building society funding, putting an estimated 60,000 mortgages per year at risk.
Bitcoin in the Vault: Banking’s Next Frontier or a Systemic Time Bomb?
Bitcoin as bank collateral signals mainstream adoption, but its volatility introduces a dangerous cascade risk that could threaten the financial system.
The £2 Billion Echo: Is the Car Finance Scandal the UK Banking Sector’s Next PPI?
Lloyds Banking Group’s £2bn provision for the car finance scandal signals a major crisis for UK banking, with potential echoes of the costly PPI scandal.