Through independent research and innovation, the Filene Research Institute explores issues vital to the future of credit unions and consumer finance.

Regulation and Deposit Insurance

  1. Survey: Interchange Change

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    Complication or catastrophe? Whatever you call it, regulatory change is brewing. Filene has commissioned a report to detail the effects of the financial reform bill on credit unions.

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    categories » Policy, Regulation and Deposit Insurance

  2. An Analysis of the Consumer Financial Protection Act

    • Ben Rogers, Research Director, Filene Research Institute
    • Apr 15, 2010 No Comments
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    The United States is poised to follow nations like Ireland, Canada and Australia in formally separating safety and soundness regulation from consumer protection. With a foreword from Prof. William Jackson, Filene research director Ben Rogers sketches the consumer financial protection proposals currently in play and compares them to pro-consumer structures around the world. The conclusion: If international experience holds, credit unions will come out smelling like roses.

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    categories » Economic Issues - Policy, Regulation and Deposit Insurance, Safety and Soundness

  3. Overdraft Regulation: A Silver Lining to the Clouds?

    • Adam J. Levitin Georgetown University Law Center
    • Apr 13, 2010 No Comments
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    Changes to Reg E mean big changes to fee income and credit union profitability. Georgetown law professor Adam Levitin draws on in-depth credit union survey data to estimate that a worst-case scenario could chop credit unions’ fee income by 11% and lower already plunging ROA. Those are the clouds.

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    categories » Economic Issues - Policy, Regulation and Deposit Insurance

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