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Are regional banks being crushed to death by regulation and the cost of compliance?
They are. Big time!No matter where in the world you operate in (US or outside the US), the compliance regime is getting stricter by the day.For banks operating outside the US, especially those who are outside the major currency zones like USD, GBP, EUR, JPY, etc. the tasks are Herculean to become regulatory compliant in the eyes of their counter-party banks in the West. As these banks bank on foreign currency clearing and settlement, they too get absorbed under the umbrella of the host countries of these currencies.With large global and/or regional banks, the challenge remains the same. There are state regulations, federal regulations and just to keep track of all of them, is super-difficult. That is just keeping track of it. Then these regulations, notices, advisories have to be implemented into the bank's system for them to take effect as well as train the staff.Citibank today employs over 30,000 people (directly/indirectly) in its Compliance department. The number has now crossed 45,000 (but I don't have the link/source for it).Banks are necessarily being crushed by compliance, but the direction in which we are heading, where not a single transaction is to be spared, and the consequences of that will lay firmly with the bank, is proving to be an extremely difficult task.NY's DFS (Department of Financial Services - the State regulator) has even suggested holding the senior management criminally responsible for lapses within their bank.HSBC's President once said, the bank is too big, and what happens in the trenches, sometimes does not necessarily snake its way up the chain. Big banks literally cannot guarantee that they know what is going on everywhere in their branches.In view of this, many banks have decided to literally de-risk themselves from businesses areas that can/could spell trouble for a bank. Money Services Business (is one such area).I personally asked the Chief Compliance Officer of a Tier II US Bank if he felt safe with all the systems, procedures, etc. he had in place at the bank.Short answer: No, he did not. He was worried.The mere complexity of the ecosystem has a lot of bankers worried. If an advisory comes out, it can literally take weeks (if not months) to get a clarification from the regulator on it. What happens in the interim time? How do banks know that what the controls, etc. the vendors have proposed will address the situation? Who does the bank trust? Its own people? Its consultants? the vendors? Who's uber-right?To further add salt to the wounds, international banking complicates things further. To understand the systematic risk that a partner may pose to your bank, you have to invest in subject matter experts who understand the counter party regulatory affairs.Add to this mix, the extreme shortage of kick-ass people in the compliance arena. Examiners, auditors and compliance officers coming out today are bland. Very vanilla in the early years. Finding good people is difficult. Banks are poaching each others compliance officers. Lot of churn in the industry.Regulatory Compliance, today represents a clear and present danger to the management of almost every bank.References30,000 people in Compliance: Citi Co-President James A. Forese's Remarks at the Sibos ConferenceStruggling to keep up with Compliance: Inside the money laundering scheme that Citi overlooked for yearsNew York proposes new financial regulations that threaten criminal consequences for senior financial executives | Insights | DLA Piper Global Law FirmToo big to manage?: HSBC’s chiefs to testify on tax scandal
I need an urgent answer before been scammed. Is this loan lending website real? I am asked to pay the sum of $720 before getting my loan for school fees.
I don’t know if it’s a scam or not, yet, but my very first reaction is that that’s a super-expensive application fee, and/or it’s highly unusual to take such a large advance fee for a loan, prior to disbursement.After looking at the website, I see that there is a great deal of consumer information missing, including none of the disclosures that I would expect to see on a financial website. The lender has a contact address in NY State. Lenders in NY need to be licensed by the State. Most lenders would have that information readily available on their website accompanied by other required information.My initial response would be to ask more questions: based on a very cursory website review, it feels like they’re scamming you, or they have really crapass sloppy compliance and management and may have problems with their regulators soon. However, they could be entirely legit; you haven’t provided enough information and I haven’t done enough independent research to be able to give you any kind of a professional opinion. I tend to be cynical about non-bank lenders; actually, I’m pretty cynical about bank lenders, too.That said, their website looks crappy too; even their logo isn’t quite right, cut off at the bottom of the logo. The things is patched together and looks more like an amalgam and mock-up frame for a lender than an actual legit lender, even without licensing and disclosure information. If you are just testing us to see what might pass muster, Mustapha, this isn’t your best work.Since this lender has a contact address in New York, you should start your search for information and help here: DFS-Avoiding Dangerous Loans or 'Predatory' Loans with New York’s Department of Financial Services (consumer) to learn more. You can also contact DFS and look for licensing information they might have available on this lender, to help you decide how and whether you should move forward.If I was looking at taking out a loan with any lender, I would check with the regulators in the jurisdiction you are in to see if they are licensed and legit, or what any outstanding complaints against them might be, and read all the disclosure and process documentation the lender gives you and ask you to complete before you give them any money (and if they didn’t ask for a lot, that too is a red flag). If I felt like something was wrong, I wouldn’t complete the transaction. You should do that, here, too.Again, I don’t know if it’s a scam or not - you should not rely on this review (and review Quora’s TOS regarding answers from professionals and experts) Seek your own counsel and research lenders with the State or your local regulator.Caveat emptor.
Why is NRA Carry Guard insurance illegal but medical malpractice insurance is not? Aren’t they both insurance against lawsuits?
The Insurance is not illegal, is just that Governor Cuomo has decided that a year after it came out, it is time to make it an election issue (for November 2018). I mean, after all, what right minded voter isn’t against the NRA? Perhaps he needs all the help he can get since he feels that “America was never that great,” and a stand against “Murder Insurance” might fill that bill.You have to understand it is not possible to insure against intentional acts, because there is no occurrence to cover (Fire Ins. Exch. v. Rosenberg, 930 P.2d 632 (Utah App. 1997 ). It is not insurance for cover intentional acts, even if the espoused reason is unintentional. Child molesters predominately appear to defend themselves by saying they never meant to harm the child. Insurance doesn’t cover child molestation, it is an intentional act, not an occurrence (an unforeseen and unplanned event or circumstances; or an unfortunate event resulting especially from carelessness or ignorance).I think what the good governor objects to, is that criminal defense costs are covered up to $250,000, while standard insurance policies offer no coverage for criminal defense costs. That might make getting plea bargain deals from the poor and working folks harder because they won’t need public defenders. His police and prosecutors might have to do better jobs. This type of coverage might actually make the government work harder and up the NY DOJ expenses.I love the governors usurpation of Congresses role as the people who control and regulate interstate commerce. His directing the Department of Financial Services (DFS) to “urge” those they regulate are disturbing, though they may be great for election campaigning. New York’s DFS regulates more than 1,400 insurance companies with assets of $4.3 trillion. These include 200 life insurers, 1,100 property casualty insurers, and 100 health insurance companies:Insurance Companies, Banks, and Other Financial Institutions Encouraged to Review Relationships with the NRA and Similar Organizations"New York may have the strongest gun laws in the country, but we must push further to ensure that gun safety is a top priority for every individual, company, and organization that does business across the state," Governor Cuomo said. "I am directing the Department of Financial Services to urge insurers and bankers statewide to determine whether any relationship they may have with the NRA or similar organizations sends the wrong message to their clients and their communities who often look to them for guidance and support. This is not just a matter of reputation, it is a matter of public safety, and working together, we can put an end to gun violence in New York once and for all."However, the bottom line is that the coverage is not illegal. The real issue here is money. The good governor doesn’t want any other insurer getting to this business. There is an NRA market that has a potential of $ 1,615,500,000.00 (that is $ 359 x about4.5 million members). If the other insurers got into this market then the potential market is over $ 37,903,828,864.00 ($ 359 x more than 105,581,696 US gun owners). There is a lot of profit to be made from people with a loss ratio of 0.00084%. I mean 99.9971% of them wouldn’t be making a claim and that is pretty good odds, ever for evil, greedy, capitalistic insurance carriers.So join the NRA and get the insurance if you wish, it isn’t a crime. It is just a political football.Ciao.PS: I wonder if the insurers can be scared off from a market equivalent to 1% of their total assets. Interestingly enough a certain company (no SPAM Quora), the biggest gorilla on the block (out of Bloomington IL) with its $160.7 billion in assets might be interested in adding a few billion more. You can never tell.Maybe international outfits like Z… Insurance Group out of Switzerland might be interested in the US, Canadian, EU, etc., market(s).Footnotes https://www.google.com/search?rlz=1C1CHBD_enUS803US803&ei=AWF2W6PAC6nW5gLxyZnwBw&q=insurance+definition&oq=insurance+&gs_l=psy-ab.1.2.0i131i67k1l2j0i67k1j0i131i67k1j0i67k1j0l2j0i67k1j0j0i67k1.6042.6042.0.95126.96.36.199.0.0.0.112.112.0j1.1.0....0...1c.1.64.psy-ab..0.1.111....0.Q6qbB6q5jas FIRE INS. EXCHANGE v. ROSENBERG Occurrence | IRMI.com The Constitution of the United States: A Transcription Governor Cuomo Directs Department of Financial Services to Urge Companies to Weigh Reputational Risk of Business Ties to the NRA and Similar Organizations The US gun stock: results from the 2004 national firearms survey https://static1.st8fm.com/en_US/content_pages/1/pdf/us/2017-annual-report.pdf Zurich Insurance Group - Wikipedia
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