Rick Jones

Rick Jones

Dechert LLP

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Latest Posts › Banking Sector


CrunchedCredit.com’s 6th Annual Golden Turkey Awards

As is our tradition here at Crunched Credit, each year, about this time, we award our Golden Turkey Awards. Once again, I must say that we are blessed, blessed with so many worthy candidates. Our government, our courts, the...more

11/25/2015 - Banking Sector Debt GSE HVCRE Rule Interest Rates

HVCRE: Surrender Is Not An Option

The way the new Basel III High Volatility Commercial Real Estate Lending Rule (HVCRE) was crafted, and is being enforced, is insane. We’ve written about this before. This is one of the purest examples of the regulatory...more

11/23/2015 - Banking Sector Basel III Commercial Loans Construction Industry HVCRE Rule

Risk Retention: Flash – These Rules Don’t Work!

As we begin to close in on the initial implementation of the Risk Retention Rule, we are looking beyond the headlines and trying to figure out how the Rule will actually work.  The result is troubling....more

10/13/2015 - Banking Sector Collateralized Debt Obligations Collateralized Loan Obligations EU European Commission Financial Institutions Market Participants Mortgage-Backed Securities Risk Retention Securitization Securitization Vehicles

The Regulatory State: May We Have A Little Humility, Please?

The Great Equity Correction of 2015 that is now being enjoyed by all of us is a correction, and not the beginning, of the Great Bear Market of 2015 (from my lips to God’s ears). It reminds me of just how little we know about...more

9/14/2015 - Banking Sector China Commercial Real Estate Market Dodd-Frank Equity Markets EU Financial Markets Financial Regulatory Reform Liquidity Public Policy Regulatory Standards Securitization Volcker Rule

Volcker Rule – Five Years On

After years of delays, changes and significant debate, the Volcker Rule is now, largely, in full effect. Sold to a sometimes intellectually incurious Congress and the electorate as a central piece of legislation to limit...more

8/6/2015 - Banking Sector Financial Institutions Hedge Funds Private Equity Funds Proprietary Trading Securitization Special Purpose Vehicles Volcker Rule

Whom the Gods Would Destroy, They First Make Meet A Higher Regulatory Capital Burden

Or perhaps Prometheus had it right in its original form. “Whom the Gods would destroy they first make mad.” Look at what we are doing to construction lending in the name of our seemingly endless safety and soundness...more

6/5/2015 - Banking Sector Commercial Real Estate Market Construction Loans HVCRE Rule Lenders Real Estate Development

Time for Regulatory Reset

It’s still in the early days of 2014. I think it’s finally stopped snowing in the East, the sun has come out and the stock market is continuing to outperform the woe purveyors. Republicans and Democrats have gotten...more

3/14/2014 - Banking Crisis Banking Sector Basel III Financial Regulatory Reform Proprietary Trading SIFIs Volcker Rule

European Sovereign Debt and the Clogging of the Banking System

Jens Weidmann, president of Deutsche Bundesbank, recently wrote a terrific piece in the Financial Times, making the point that the Faustian bargain between European sovereigns, their national banks, the ECB and EU...more

10/17/2013 - Banking Sector Banks EU European Central Bank Sovereign Debt

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