Simply Stated - All Things Finance
by Conference of State Bank Supervisors (CSBS) · 84 episodes
Government
Join us as we discuss the people, policies, and platforms driving financial regulation today. We speak with economists, regulators, industry, and subject matter experts to gain insights into where the nation's financial regulatory system is headed.
Latest episodes
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25 min
NMLS Modernization Phase One is Live - What's Changed and What Comes Next
For more information on updates to NMLS Modernization and how to get involved, visit the NMLS Modernization page on the CSBS website.Since the NMLS Annual Conference & Training in…
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11 min
Charting Uncertain Waters - Q2 Community Bank Sentiment Index
Community banker sentiment remains near-neutral for a second quarter but is still rising; in the second quarter of 2024, the Community Bank Sentiment Index (CBSI) reached its highe…
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22 min
Has the Interest Rate Pinch Finally Arrived?
Are we finally starting to see the long-awaited cooldown in economic activity? CSBS Chief Economist Tom Siems takes us along for a deep dive into interest rate data, market fluctua…
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20 min
How State and Federal Regulators Share Information
Regulators take confidentiality seriously. So, when regulators from different states, agencies, or industries need to communicate, how do they do it? As it turns out, regulators sp…
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14 min
Positive Negativity - Community Banker Sentiment Rises to Start 2024
Community banker sentiment remains negative for a ninth straight quarter, but things are looking up; in the first quarter of 2024, the Community Bank Sentiment Index (CBSI) reached…
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23 min
Ransomware Self-Assessment Tool, Version 2.0
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11 min
What Goes Into Getting a Mortgage Broker License?
GuestRich Madison, Vice President, Credentialing and Accreditation ProgramsIn today's episode, we discuss:What a mortgage broker's license isWhat it means for your mortgage broker…
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18 min
The Making of NMLS: Epilogue - Lessons Learned and Wisdom from the Regulators
In the epilogue, we ask regulators to share their insights on the importance of NMLS, what we gain from a state-federal regulatory partnership and lessons learned from the NMLS dev…
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18 min
The Making of NMLS: 4 - A Mortgage Crisis, Congress, and 50 State Legislatures
When we left off from the last episode in September 2005, the CSBS Board of Directors had just approved the development of NMLS. In episode four, we discuss the significant trouble…
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16 min
The Making of NMLS: 3 - Betting it All to Build NMLS
In episode three, we discuss the work that went into building NMLS and the opposition faced along the way. Staff worked to harmonize legislative and regulatory requirements across…
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21 min
The Making of NMLS: 2 - Building the Supervision Coalition
In episode two, we start with an interview with then-CSBS President and CEO John Ryan. John shares the story behind when state regulators decided it was time to develop a nationwid…
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22 min
The Making of NMLS: 1 - A Rapidly Changing Mortgage Market
In episode one, we discuss the financial conditions in the early 2000s. Allegations of predatory lending, an increased number of applications of unqualified individuals to issue mo…
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19 min
The Making of NMLS: Prologue - 15 Years of NMLS
In the prologue, we speak with Vickie Peck, Executive Vice President of Products & Solutions, to reflect on how licensing through NMLS has advanced over the past 15 years.About "Th…
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24 min
The Money Transmission Modernization Act
The Model Money Transmission Modernization Act, also known as the Money Transmitter Model Law, is a single set of nationwide standards and requirements created by industry and stat…
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14 min
Community Banker Sentiment Dips to Lowest Level Since Tracking Began in 2019
CSBS Chief Economist Tom Siems shares findings from the most recent CSBS Community Bank Sentiment Index, an index derived from quarterly polling of community bankers across the nat…
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16 min
State Regulator Priorities in 2023
State regulators have an important mandate that requires them to protect consumers, ensure the safety and soundness of their institutions and promote economic growth. Today we talk…
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11 min
Community Bankers Say the Recession is Already Here
CSBS Chief Economist Tom Siems shares the findings from the most recent CSBS Community Bank Sentiment Index, an index derived from quarterly polling of community bankers across the…
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9 min
Common Cybersecurity Threats for Financial Institutions & Tools to Help
This week, we talk with CSBS Information Security Manager Richard Mensah about common cybersecurity threats to financial institutions, organizations designed to help combat cyber-t…
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15 min
States of the Economy - June 2022
"States of the Economy" is a monthly look at the economic picture across the country. In this episode CSBS Chief Economist Tom Siems and host Matt Longacre discuss what the latest…
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29 min
Community Banks Adapting to the Digital Age
Community Banks Adapting to the Digital AgeGuests:CSBS Chief Economist Thomas F. SiemsFederal Reserve Bank of St. Louis Supervision Policy, Research and Analysis Manager Meredith A…