Beyond capital

Beyond capital
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What institutions that may be regulated as bank holding companies should start working on today


During the financial crisis, a number of major nonbank financial firms have become bank or financial holding companies (BHCs or FHCs). More recently, under the Administration’s Financial Regulatory Reform proposal a number of companies face the possibility of mandatory BHC/FHC status. For most new BHCs/FHCs, this regulatory scrutiny represents a significant change, and the scope of the expectations can be a culture shock.

How can new BHCs and FHCs successfully manage this transition? This paper discusses five areas where institutions should focus.