The government’s unwillingness to consider changing the tax system to fix housing affordability, makes it more likely that APRA may have to become even more prescriptive with its lending criteria.
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Articles on APRA
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Some argue, determinedly and erroneously, that when functioning correctly bank capital levels are almost magical things.
Investor loans are on the increase again, causing pause for the regulators.
APRA has updated its guidance to lenders on concerns about the risks to financial stability from the housing market, but it should be focusing more on the banks, not hurting those with a mortgage.
Business Briefing: rate tracker mortgages
The Conversation16.3 MB (download)
Rate tracker mortgages could provide some certainty for customers and increase trust in the banking sector.
Just when we all thought that the Australian Securities and Investments Commission (ASIC) had already won the race to be most ineffective regulator of the year, up pops the Australian Prudential Regulation…
Data on the outcomes of life insurance claims will not only help individual customers but also financial advisers and super funds acting on behalf of consumers.
As the chief executives of Australia’s big four banks come before a House of Representatives economics committee, we ask a panel of experts what questions the banks should be answering.
The financial products offered by the shadow banking sector allow investors to be further removed from their investments and banks to escape regulation, increasing the risk in the sector overall.
Australia’s big four banks are managing risk well, this could be contributing to their strong performance.
With all the weight of evidence stacked against the banks in the case of BBSW benchmark, surely now is the time for the government to enforce regulation.
It may be the effect of the election but the regulation of banking in Australia appears to be descending into farce. Just last week, maybe in anticipation of adverse events to come, the Australian Financial…
In announcing new money for the Australian Securities and Investments Commission, the Treasurer and the Minister responsible Kelly O’Dwyer executed a synchronised back flip with tuck, declaring that “The…
After Labor proposed a royal commission into the banking industry, Treasurer Scott Morrison said the Australian Securities and Investments Commission (ASIC) has all the powers of a royal commission and more. Is that right?
Royal Commissions work best when one specific issue can be addressed, rather than a wide range of problems.
The outlook for the insurance sector will depend less on natural disasters and more on how the big insurers respond to smaller competitors and the use of technology in assessing policies.
Unethical behaviour by bankers represents a systematic risk to banks, and causes widespread harm.
Investors may not like it but Australian banks have been given little choice by the prudential regulator other than to undertake capital raisings.
Global regulators are requiring banks to hold more capital, so how high should Australia aim?
Recent regulator outrage about the state of banking culture overlooks the fact regulators often look the other way.
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Visiting Fellow, Macquarie University Applied Finance Centre, Macquarie University
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Professor of Economics, UNSW Sydney
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Senior Lecturer, Faculty of Law, University of Wollongong
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