Politics

Will Biden become the new FDR? And what are the risks for inflation?

6/1/2021
Six months into his administration, Biden has veered toward the hard left and is getting accolades from the same progressives who were skeptical of his leadership.

87th Legislative Session proving pundits wrong again

5/1/2021
Conventional wisdom and the pundits predicted that the 87th Regular Session would be a low bill session. With more than 7,001 bills filed to date, the pundits have been proven wrong.

Biden tasks regulators with taking on climate change

4/1/2021
In addition to dealing with the pandemic, President Biden has two other policy goals he campaigned on: the need for greater diversity, equity and inclusion in all aspects of American life and the fight against climate change.

Economic and regulatory issues in the coming months

3/1/2021
President Biden, federal agencies and Congressional allies will propose a number of challenges to Texas banking.

What happens now that Democrats took the Senate?

2/1/2021
With Democrats running the executive branch and both houses of Congress, the momentum is with the progressive left. New Yorker Chuck Schumer will be the new Senate Majority Leader and Democrats will chair all committees.

CFPB starts process on fair lending for small business loans

1/1/2021
Just when we thought we had survived the worst of the Dodd-Frank Act, the CFPB has released an outline of various proposals to create a HMDA-like regime for small business lending.

Legislating in the age of COVID

12/1/2020
Despite logistical concerns and operational challenges, 87th Legislature set to tackle budget, redistricting, criminal justice reform and other priorities

When a blue wave hits a red wall

12/1/2020
From the perspective of community bankers, gridlock is a good thing. The unknown is how far left the federal banking agencies will go but I anticipate that many actions will be challenged in the courts.

Community banking through the COVID crisis

11/1/2020
Will Congress do anything to help small businesses? There is currently a standoff on another round of COVID spending. Most likely, it will depend on which party wins the presidency and which party controls the Senate.

Are you ready for fair lending reporting for small business loans?

10/1/2020
Part of the mandate given to the CFPB was Section 1071, which amended the Equal Credit Opportunity Act to require financial institutions to compile, maintain and submit to the bureau certain data on applications for credit for women-owned, minor-

GOVT: What does it mean and why is it everywhere these days?

10/1/2020
For the first time this election cycle, TBA has adopted a political plan to amplify not only our political giving, but also our grassroots activity.

What a Biden victory may mean for community banks

9/1/2020
While most attention is being paid to potential changes in environmental policies, corporate taxation and immigration law, it is worth considering what may happen on banking issues in the regulatory agencies and on the legislative front.

SCOTUS rules against CFPB’s leadership structure

8/1/2020
On June 29, the Supreme Court ruled in the Seila Law decision that the structure of the Consumer Financial Protection Bureau violated the separation of powers doctrine.

All big businesses are now too big to fail

7/1/2020
For the first time, the Fed was directed to get into the lending business due to the CARES Act mandate and over $450 billion in appropriations to cover any loan losses.

Will community banks need more help from Washington?

6/1/2020
The effect of nonperforming and underperforming loans in community bank portfolios continues to be a concern.

How long can the borrowing go on? We are already $trillions in debt

5/1/2020
The latest Congressional response to the COVID-19 pandemic is a massive $2.2 trillion appropriation to try to create a backstop for the economy.

Former White House Press Secretary, legendary performer to highlight Annual Convention lineup

3/1/2020
TBA is proud to announce the latest additions to its 136th Annual Convention lineup: Former White House Press Secretary Sean Spicer and legendary performer John Michael Montgomery.

Credit unions get aggressive in push for sub debt

3/1/2020
In late January, the NCUA issued a proposed rule to allow credit unions with more than $500 million in assets to issue subordinated debt.

Let's amplify our voices through TBA BankPac

3/1/2020
For Texas bankers, TBA BankPac is the most effective way to support candidates. By pooling our financial resources bankers can amplify our voices and give candidates more meaningful political contributions than we can give individually.

Preparing for challenging times

2/1/2020
The signs of potentially challenging times in the economy have begun to appear: The bond yield curve briefly inverted during 2019 and, though recovering until the end of the year, was immediately followed by a new decline.

Join me in D.C. for our annual Washington Summit

2/1/2020
Each spring, the Texas Bankers Association hosts more than 100 Texas bankers from all across Texas where we join our counterparts from all over the nation at ABA’s Washington Summit.

136th Annual Convention in San Antonio features political and regulatory heavy-hitters

2/1/2020
The signs of potentially challenging times in the economy have begun to appear: The bond yield curve briefly inverted during 2019 and, though recovering until the end of the year, was immediately followed by a new decline.

Elections have consequences

2/1/2020
“Elections have consequences. I won,” President Obama told congressional Republicans shortly after his inauguration in 2009.

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