35 episodes

Financial Regulation can be complicated. Join us for interviews with state financial regulators, commissioners, policymakers, and CSBS staff to gain further insight on how banks, money transmitters, check cashers, and all forms of financial services are supervised and supported by our regulatory system.

Simply Stated - A Podcast on All Things State Finance Conference of State Bank Supervisors (CSBS)

    • Government
    • 4.0, 4 Ratings

Financial Regulation can be complicated. Join us for interviews with state financial regulators, commissioners, policymakers, and CSBS staff to gain further insight on how banks, money transmitters, check cashers, and all forms of financial services are supervised and supported by our regulatory system.

    COVID-19 Financial System Update - May 19

    COVID-19 Financial System Update - May 19

    CSBS COVID-19 Resource Page: https://www.csbs.org/mortgage-relief-coronavirus
    Show notes: www.csbs.org/covid-pod10

    The current economic situation is unprecedented. How do you put it into perspective? We compare unemployment and jobless claims to crises past and try to get a handle on just how severe of a downturn we are having.

    People are reporting struggles with their mortgage servicers and getting forbearance or other mortgage payment relief. CSBS and the Consumer Financial Protection Bureau released a consumer relief guide to explain your rights when asking for forbearance and what to expect when you call your servicer.

    There’s still more than $100 billion left in Paycheck Protection Program money for small businesses. But what is it like on the ground for business owners applying? We highlight one firm’s experience getting a loan.

    And last but not least, the U.S. House of Representatives passed a $3 trillion package. The bill seems to be a starting point for negotiations with the Senate, but what all is in it?

    • 7 min
    #23 - SFSF 2020 - Supervising in a World of Accelerated Change

    #23 - SFSF 2020 - Supervising in a World of Accelerated Change

    Today, I’d like to focus on a group undergoing a tremendous amount of change, both because of COVID-19 and in spite of it: financial regulators. Next week, state and federal regulators will meet as they do every year, albeit digitally, at the State-Federal Supervisory Forum. The forum provides an opportunity for regulators to connect, learn, and find new ways to collaborate with one another.

    • 31 min
    #22 - Protecting Paychecks - An Unprecedented Program from Four Perspectives

    #22 - Protecting Paychecks - An Unprecedented Program from Four Perspectives

    What happens when you put $669 billion of grants and loans into the financial system all at once? An expert talks about how the program is intended to work and changes over time. In a rush against the clock, a small business owner tries to get a loan for herself and for a minority-owned business client. An expert on community banks explains how they fit into the program.

    • 52 min
    COVID-19 Financial System Update - April 28

    COVID-19 Financial System Update - April 28

    CSBS COVID-19 Resource Page: www.csbs.org/information-covid-19-coronavirus
    Show notes: www.csbs.org/covid-pod9

    Twenty-six million have applied for unemployment since the start of the COVID-19 Pandemic. We look at state-level data to figure out where the nation has been hardest-hit.

    Broad consensus now exists among legislators, state regulators and the industry about what needs to happen to help prevent a mortgage financing crisis. Has there been any progress? Is there any reason this can’t happen?

    And, a reminder to consumers: State regulators have noted an increased number of scams targeting mortgage loans. We’ve got the advice and resources you need to help protect yourself.

    • 6 min
    COVID-19 Financial System Update - April 17

    COVID-19 Financial System Update - April 17

    CSBS COVID-19 Resource Page: www.csbs.org/information-covid-19-coronavirus
    Show notes: www.csbs.org/covid-pod8

    First it was their regulators, then it was the industry themselves, and now it is members of Congress: there’s increasing agreement that something needs to be done to help mortgage servicers while a record number of unemployed are seeking mortgage forbearance. America is now at 22 million unemployment claims in four weeks. We talk about the new jobless claims and how community banks play a role in understanding the economy. And, a reminder to consumers to watch out for common scams as they receive their stimulus checks.

    It’s Friday, April 17, this is Matt Longacre, and here’s the latest as of 11 a.m. Eastern:

    • 6 min
    #21 - COVID-19 and Community Bankers: A Data-Driven Dialogue Between Banker and Regulator

    #21 - COVID-19 and Community Bankers: A Data-Driven Dialogue Between Banker and Regulator

    COVID-19 Consumer Resources Page: https://www.csbs.org/covid-19-consumer-resources
    COVID-19 Info Page: https://www.csbs.org/information-covid-19-coronavirus

    You don’t need me to tell you what the economic data is saying right now. All over the country, businesses are closed, workers are being furloughed or laid off, and businesses and consumers alike are looking at what they have saved and trying to figure out how much longer they can go in lockdown.

    I want to focus on the local economic aspect of the pandemic today as seen through the lens of the primary lenders to small businesses and rural and suburban communities. What are community bankers saying about their local economies and future business activity? What are they telling their regulators? And what do the regulators have to say back?

    I’m Matt Longacre, and this is Simply Stated

    • 17 min

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