American Banker author profile, Rob Nichols
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Rob Nichols CEO Rob Nichols is president and chief executive of the American Bankers Association. Regulation and compliance Proposed credit card fee rules will benefit retailers, not consumers Big national retailers will capture all the financial benefits from proposed reductions in swipe fees, while consumers will be left with fewer benefits programs and less secure transactions. By Rob Nichols, Jim Nussle and Rebeca Romero Rainey May 6 Regulation and compliance The CFPB: A regulator gone rogue "An unelected federal regulator is seeking to shortcut the traditional regulatory process," writes ABA Chief Executive Rob Nichols. By Rob Nichols April 26 Digital payments The Fed needs to close backdoor to its payment rails Some bank regulators are allowing companies that offer digital currencies to apply for a charter, potentially giving them a path to the Federal Reserve system without proper oversight. By Rob Nichols March 11 Digital payments The Fed needs to close backdoor to its payment rails Some bank regulators are allowing companies that offer digital currencies to apply for a charter, potentially giving them a path to the Federal Reserve system without proper oversight. By Rob Nichols March 3 CRA Fintechs that get bank charters should be subject to CRA. Period. Several financial tech companies that applied to become national banks are seeking exemptions from many provisions of the Community Reinvestment Act. A consumer advocacy group and the American Bankers Association say the OCC mustn't allow this. By Rob Nichols and Jesse Van Tol January 29 CRA Fintechs that get bank charters should be subject to CRA. Period. Several financial tech companies that applied to become national banks are seeking exemptions from many provisions of the Community Reinvestment Act. A consumer advocacy group and the American Bankers Association say the OCC mustn't allow this. By Rob Nichols and Jesse Van Tol January 13 Credit unions NCUA capital plan prioritizes investors over consumers The regulator is expected to finalize a rule this week allowing credit unions to issue subordinated debt to outside institutional investors. That's bad public policy, the American Bankers Association writes. By Rob Nichols December 16 Deposits Brokered deposit law is woefully outdated As more consumers do business online, some deposits are being unfairly categorized as brokered, inviting burdensome regulatory scrutiny. By Rob Nichols August 7 Credit unions NCUA’s low-income designation hurts service members A decision that expands the low-income definition to all active-duty military personnel will only enable large credit unions to push out smaller competitors, removing choice for people in the military. By Rob Nichols and Steven J. Lepper June 18 Housing markets Let’s get housing reform right this time As lawmakers tackle Fannie Mae and Freddie Mac, any revamp must lessen risk to the mortgage system and U.S. taxpayers. By Robert D. Broeksmit and Rob Nichols October 21 Regulatory relief It’s not just banks with a stake in achieving regulatory relief There is a great opportunity this year to show the world that Congress can still pass bipartisan, common-sense legislation that helps lift the U.S. economy. By Rob Nichols June 7 Bank technology Banks Should Be Optimistic About Their Fintech Future Contrary to doom-and-gloom attitudes of some about banks' ability to compete for millennials' business, the industry will build on its history of innovation to meet the technology needs of future customers. By Rob Nichols June 22 Bank technology Bank or No Bank, Fintech Must Be Regulated Banks are enthusiastic about innovation that involves both traditional institutions and nonbanks, but a more cohesive regulatory landscape is needed for cooperation between banks and fintech to grow even more. By Rob Nichols February 18
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