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1、FederalFederalRegulats’Regulats’SpotlightSpotlightFocusesFocusesOnOnFinancialFinancialInstitutionInstitutionPayPayPracticesPracticesByByBarbaraAnnBarbaraAnnGustaferroGustaferroDavidDavidB.B.MillerMillerAsresearcherspolic

2、yanalystsmembersofthebankingindustrycontinuetodebatetheactualextenttowhichbankcompensationpracticesledtothefinancialcrisisfederalbankingregulatshavemovedfwardwithefftstorequirebankingganizationstoreconsiderinmanycasesrev

3、isetheirincentivecompensationpaydesignpractices.ThepushbytheFeditscounterpartfinancialregulatstoaddressbankpaycomesaslittlesurprise.Inearly2009mediareptsoflargebonusesbeingpaidtobankerswhoseemployershadreceivedbailoutfun

4、dsundertheTroubledAssetsReliefProgram(TARP)ignitedapublicfuroverexecutivecompensationatfinancialinstitutions.TheFederalReserveitscounterpartfinancialregulatyagenciescameunderafirestmofcriticismfhavingallowedrunawaybonuss

5、tructuresinthefinancialindustrytofuelheedlessrisktakingwhichultimatelyresultedintheeconomicmeltdownEvenifbankpayisfoundnottohaveplayedasignificantroleintheeconomiccrisistheFedappearsdeterminedtoavoidbeingaccusedofinactio

6、nonthissubject.ItissupptedinitsefftsbysomefinancialeconomistswhoseeincreasedgovernmentoversightoffinancialinstitutioncompensationasessentialpointingtocertainfactsthatmakebanksparticularlysusceptibletoimprudentrisktakingB

7、ecausebanksmakemoneybyhavingtheirdepositsflowtothoseinneedofcapital—bythesametokendon’tmakemoneyiftheydon’t—theytendalonedealtsolelywithcompensationpaidbyinstitutionsunderitssupervisiontheFinalGuidancewhichwasissuedjoint

8、lybytheFedtheOfficeoftheComptrolleroftheCurrencytheFederalDepositInsuranceCpationtheOfficeofThriftSupervision(collectivelythe“Agencies”)appliestothewiderangeofbankingganizationscollectivelysupervisedbythoseagenciesinclud

9、ingUSbankholdingcompaniesnationalbanksstatemembernonmemberbankssavingsassociationssavingsloanholdingcompaniestheUSoperationsoffeignbanks.IncontrasttotheProposedGuidancewhichwasissuedbytheFedalonedealtsolelywithcompensati

10、onpaidbyinstitutionsunderitssupervisiontheFinalGuidancewhichwasissuedjointlybytheFedtheOfficeoftheComptrolleroftheCurrencytheFederalDepositInsuranceCpationtheOfficeofThriftSupervision(collectivelythe“Agencies”)appliestot

11、hewiderangeofbankingganizationscollectivelysupervisedbythoseagenciesincludingUSbankholdingcompaniesnationalbanksstatemembernonmemberbankssavingsassociationssavingsloanholdingcompaniestheUSoperationsoffeignbanks.Althought

12、heFinalGuidanceaffectsafargreaternumberofinstitutionsthantheProposedGuidancemanyofthoseinstitutions—smallercommunitybanksthrifts—willescapetheburdensplacedonlargebankingganizations(LBOs)fromwhommuchmewillbeexpectedinterm

13、sofsystematicfmalizedpoliciesproceduressystemsdesignedtoidentifyavoidimprudentrisktakinginincentivecompensationpracticesFinalFinalGuidanceGuidanceRetainsRetains“PrinciplesBased”“PrinciplesBased”totoFinancialFinancialInst

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