Charles M. Horn

Charles M. Horn

Morrison & Foerster LLP

Contact  |  View Bio  |  RSS

Latest Publications

Share:

Capital Is Contagious— The FDIC and OCC Approve Final Risk-based Capital Rules, and the Agencies Propose a Supplemental Leverage...

Today, July 9, the Federal Deposit Insurance Corporation (“FDIC”) and the Office of the Comptroller of the Currency (“OCC”) took two significant actions on the implementation of new regulatory capital requirements in the U.S....more

7/10/2013 - Banks Basel Committee Basel III FDIC Federal Reserve Leverage Capital Ratio Leveraged Loans Nonbank Firms OCC Risk Assessment Risk Management Risk-Based Approaches Too Big to Fail

They’re Here: The Final Interagency Regulatory Capital Rules

The Federal Reserve Board today approved the publication of the long-awaited final regulatory capital rules (“Final Rules” ), which were proposed one year ago (the “Proposed Rules”). While today’s action was taken by the...more

7/5/2013 - Bank Holding Company Basel Committee Basel III Capital Requirements FDIC Federal Reserve Leveraged Lending OCC Risk Management

More Leverage for the Unleveraged—Basel Committee Proposes Specific Leverage Capital Framework for Banking Organizations

On June 26, the Basel Committee on Banking Supervision (“Basel Committee”) published a Consultative Document that proposes specific leverage capital requirements, and related disclosure requirements (the “Proposal”), that...more

7/2/2013 - Banking Crisis Basel Committee Basel III Capital Requirements Disclosure Requirements EU Leveraged Lending Risk Management

Fed Comes to the Rescue: Interim Final Rule for Foreign Banks under Lincoln Amendment

In a move that will be welcomed by the U.S. foreign bank community and its clients, the Federal Reserve Board yesterday issued an interim final rule that accords foreign banks’ uninsured U.S. branches and agencies parity with...more

6/7/2013 - Dodd-Frank Federal Reserve Foreign Banks IDIs Lincoln Amendment Swaps

Now the Fun Begins: FSOC Proposes the First Three Nonbank SIFIs

In a June 3, 2013 closed-door meeting, the Financial Stability Oversight Council (“FSOC”) voted to propose the designation of three financial services companies — American International Group (“AIG”), Prudential Financial and...more

6/5/2013 - AIG Dodd-Frank Federal Reserve FSOC General Electric Orderly Liquidation Authority Prudential SIFIs

CFPB Fair Lending Guidance for Indirect Auto Lenders—It’s Not Just About Cars

Several weeks ago, the Consumer Financial Protection Bureau (“CFPB”) issued a fair lending guidance bulletin (“Bulletin”) directed at financial institutions that make indirect automobile loans. While the Bulletin thus far has...more

6/5/2013 - Automotive Industry CFPB Compliance Dodd-Frank DOJ ECOA Enforcement Fair Lending HMDA Nissan Regulation B Rulemaking Process

Structured Thoughts -- Volume 4, Issue 8 -- May 15, 2013

In This Issue: Due Diligence Procedures for Structured Note Distributors; Key Issues for Yankee CDs; The SEC and FINRA: Protect Your Elders; The FSOC’s 2013 Annual Report: Increasing Exchange-Traded Product Activity;...more

5/16/2013 - Broker-Dealer Due Diligence Elder Issues FINRA FSOC SEC Structured Financial Products

Financial Services in 2013 and Beyond: Adapting to the New Regulatory Climate

The enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act,” or “Dodd-Frank”) in 2010 was a watershed moment in the history of U.S. financial services regulation. As we move through 2013...more

5/8/2013 - Compliance Dodd-Frank FDIC Financial Planning Financial Regulatory Reform Supervision

Federal Reserve Board Approves Final Rules Defining When Significant Nonbank Firms are “Predominantly Engaged in Financial...

On April 3, the Federal Reserve Board (“Board”) published a final rule (“Rule”) specifying when a financial company that may be made subject to systemic regulation under Title I of the Dodd-Frank Wall Street Accountability...more

4/5/2013 - Dodd-Frank Federal Reserve Financial Actvities Investment Funds SIFIs

The Basel Committee Proposes to Double Down on Counterparty Exposure Limits

On March 26, the Basel Committee on Banking Supervision (“Basel Committee”) published a Consultative Document in which it proposes a revised supervisory framework for measuring and controlling large counterparty exposures...more

4/4/2013 - Basel Committee CCPs G-SIFI International Banks Proposed Legislation SIFIs

Financial Services Report - Spring 2013

Editor’s Note - This is a dignified law firm newsletter, not like the “Brand X” versions. You won’t find pandering, attention-grabbing stories about Justin Bieber, Kim Kardashian, Ashton Kutcher, Prince William, or...more

3/13/2013 - Arbitration Barack Obama CFPB China Credit Reports Cybersecurity Data Protection Debt Collection Dodd-Frank Dukes v Wal-Mart FDCPA FDIA FDIC Federal Reserve FHA Foreclosure FTC Mobile Apps Recess Appointments Richard Cordray Social Media Telemarketing

FDIC Proposes to Nix Insurance for Dually Payable Deposits—With an Upside and a Nod to International Cooperation

On February 12, the Federal Deposit Insurance Corporation (“FDIC”) proposed for public comment a rule that would exclude from federal deposit insurance coverage those deposits made at insured U.S. banks that are payable at a...more

2/22/2013 - Dually Payable Deposits EU FDIC Federal Deposit Insurance Act Financial Services Authority Foreign Banks Foreign Branches of U.S. Banks Uninsured Deposits

Structured Thoughts -- Volume 4, Issue 3 -- February 6, 2013

In This Issue: Reverse Inquiry Transactions in the Spotlight; How Will the Fed’s Proposed Foreign Bank Rules Affect Foreign Bank Debt Financing Activities in the U.S.?; IOSCO Commences Consultation on Benchmarks; and...more

2/7/2013 - Benchmarks Debt Foreign Banks IOSCO Regulation T Reverse Inquiry Transactions Settlement

Structured Thoughts -- Volume 4, Issue 3 -- February 6, 2013

In This Issue: Reverse Inquiry Transactions in the Spotlight; How Will the Fed’s Proposed Foreign Bank Rules Affect Foreign Bank Debt Financing Activities in the U.S.?; IOSCO Commences Consultation on Benchmarks; and...more

2/7/2013 - Benchmarks FINRA Foreign Banks Investors IOSCO Regulation T Reverse Inquiry Transactions SEC Structured Financial Products

Are Financial Institutions Ready for Cloud Computing?

Originally published in BNA’s Banking Report on January 8, 2013. The rapid growth in the availability and sophistication of cloud computing services — on-demand, scalable information technology services provided over the...more

1/29/2013 - Big Data Cloud Computing Data Protection

Financial Services Report -- Winter 2012

In This Issue: Bureau Report; Operations Report; Beltway Report; Arbitration Report; Mortgage Report; Privacy Report; Preemption Report; and Plastics Report. Excerpt from the Bureau Report: World’s Most...more

12/18/2012 - American Express CFPB Chase Bank Cybersecurity Debt Collection Dodd-Frank FDIC FTC Google Mobile Apps MySpace Project Catalyst Stress Tests TILA

Another Shoe Drops: The Federal Reserve Board Proposes Dodd-Frank Systemic Prudential Regulations for Foreign Banks

Making good on Federal Reserve Governor Daniel Tarullo’s promise earlier this month of imminent Federal Reserve Board (“Board”) action to regulate foreign banks in the U.S. under the Dodd-Frank Act, late Friday afternoon the...more

12/17/2012 - Dodd-Frank Federal Reserve Foreign Banks Remediation

“If It Ain’t Broke, Don’t Fix It”: Treasury Exempts Foreign Exchange Swaps and Forwards from Dodd-Frank Swaps Regulation...

Last Friday, the Secretary of the U.S. Treasury Department issued a formal determination (Determination) to exempt foreign exchange swaps and foreign exchange forward contracts from regulation as “swaps” under the Commodity...more

11/20/2012

18 Results
|
View per page
Page: of 1