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About

Board of Directors Thomas M. Hoenig

Speeches and Other Materials

04/25/2018 Semi-Annual Update of the Global Capital Index
Statement of FDIC Vice Chairman Hoenig 		Statement
03/28/2018 "Finding the Right Balance" – Keynote speech by FDIC Vice Chairman Thomas M. Hoenig delivered to the Peterson Institute for International Economics in Washington, DC Speech
01/9/2018 Letter to the Senate Banking Committee regarding S.2155, the Economic Growth, Regulatory Relief and Consumer Protection Act Letter
11/21/2017 Statement of FDIC Vice Chairman Thomas M. Hoenig on the FDIC Board Approval of an Interagency Final Rule Related to the Retention of Certain Existing Transition Provisions for Banking Organizations Not Subject to the Advanced Approaches Capital Rules Statement
11/17/2017 "The Changing Financial Footprint and Its Effects on Competition and Banking" - Remarks by FDIC Vice Chairman Thomas M. Hoenig delivered to the Western Independent Bankers Directors Conference in San Francisco, CA Speech
11/16/2017 "A bank’s activities, not its assets, should decide regulatory status" - American Banker Op-ed
10/11/2017 "Deposit Insurance: Addressing Its Moral Hazard Effect" - Remarks by Thomas M. Hoenig, Vice Chairman of the U.S. Federal Deposit Insurance Corp. and President of the International Association of Deposit Insurers, to the 16th Annual IADI General Meeting and Conference, Quebec City, Canada Speech
09/27/2017 Statement of FDIC Vice Chairman Thomas M. Hoenig to the Board of the FDIC on the Notice of Proposed Rulemaking on simplifications to the capital rule pursuant to the Economic Growth and Regulatory Paperwork Reduction Act of 1996 Statement
09/26/2017 Semi-Annual Update of the Global Capital Index
Statement of FDIC Vice Chairman Hoenig 		Statement
08/24/2017 "Volcker Rule rollback is not the kind of reg relief small banks need"
American Banker op-ed by FDIC Vice Chairman Hoenig 		 Op-ed
08/22/2017 Statement of FDIC Vice Chairman Thomas M. Hoenig on the FDIC Board Approval of an Interagency Proposed Rule Related to the Retention of Certain Existing Transition Provisions for Banking Organizations Not Subject to the Advanced Approaches Capital Rules Statement
08/14/2017 Statement of FDIC Vice Chairman Hoenig on the Capital Treatment of Derivatives and Variation Margin Statement
07/31/2017

Payouts, Retained Earnings, and Loan Growth: Letter and analysis to Chairman Crapo and Ranking Member Brown of the Senate Committee on Banking, Housing & Urban Affairs

 Correspondence
05/12/2017 “Financial Markets and Accountability: A Better Way Forward” -- Remarks by FDIC Vice Chairman Thomas M. Hoenig, Presented to the Conference on Systemic Risk and Organization of the Financial System, Chapman University, Orange, California Speech
04/13/2017 Semi-Annual Update of the Global Capital Index Statement of FDIC Vice Chairman Hoenig Statement
03/13/2017 "A Market-Based Proposal for Regulatory Relief and Accountability" -- Remarks by FDIC Vice Chairman Thomas M. Hoenig, Presented to the Institute of International Bankers Annual Washington Conference Speech
11/17/2016 “The Long-Run Imperatives of Monetary Policy and Macro-Prudential Supervision” -- Remarks of FDIC Vice Chairman Thomas M. Hoenig to the Cato Institute’s 34th Annual Monetary Conference: Central Banks and Financial Turmoil Speech
11/9/2016 "Strengthening Global Capital: An Opportunity Not To Be Lost" - Remarks by FDIC Vice Chairman Thomas M. Hoenig to the 22nd Annual Risk USA Conference, New York, NY Speech
09/20/2016 Semi-Annual Update of the Global Capital Index
Statement of FDIC Vice Chairman Hoenig		 Statement
08/12/2016 "Why 'Risk-Based' Capital Is Far Too Risky"
A risk-based system inflates the role of regulators and denigrates the role of bank managers.
Wall Street Journal op-ed by FDIC Vice Chairman Hoenig		 Op-ed
05/23/2016 "A Capital Conflict"
Remarks by FDIC Vice Chairman Hoenig to the National Association for Business Economics (NABE) and the Organization for Economic Cooperation and Development (OECD) Global Economic Symposium, Paris, France		 Speech
05/13/2016

Literature Review on the Macroeconomic Impacts of Capital Requirements
by Jonathan Pogach, Chief of Financial Modeling and Research Section
FDIC Division of Insurance and Research

 Lit reivew
04/22/2016 "Basel Plans Would Weaken Leverage Ratio"
Risk Magazine op-ed by FDIC Vice Chairman Hoenig		 Op-ed
04/13/2016 FDIC Board Meeting Statement of Vice Chairman Thomas M. Hoenig regarding 2015 Title I plans (living wills) submitted by the eight domestic GSIBs  Statement
04/12/2016 Statement of FDIC Vice Chairman Hoenig on the semi-annual update of the Global Capital Index (GCI) of bank capitalization levels for the second half of 2015. Statement
04/6/2016 "A Framework for Regulatory Relief"
Remarks by FDIC Vice Chairman Thomas M. Hoenig to the FDIC Community Banker Conference, Arlington, VA		 Speech
03/18/2016 Remarks on Bank Supervision by FDIC Vice Chairman Hoenig to the Federal Reserve Bank of New York, conference on Supervising Large Complex Financial Institutions; New York, NY Speech
01/20/2016 "The Relative Role of Debt in Bank Resiliency and Resolvability"
Remarks by FDIC Vice Chairman Thomas M. Hoenig to the Peterson Institute for International Economics; Washington, DC		 Speech
11/30/2015 Letter to Congress from FDIC Vice Chairman Hoenig on the leverage ratio and margin Correspondence
11/30/2015 Letter to Congress from FDIC Vice Chairman Hoenig on regulatory relief and the Volcker Rule Correspondence
11/5/2015 "Post-Crisis Risks and Bank Equity Capital"
Remarks by FDIC Vice Chairman Hoenig to the Federal Reserve Bank of Chicago, 18th Annual International Banking Conference; Chicago, Illinois 		 Speech
10/27/2015 FAQs about FDIC Vice Chairman Hoenig's recommendations for regulatory relief for traditional banks FAQs
10/21/2015 FDIC board meeting statement of Vice Chairman Hoenig on the final rule to establish margin and capital requirements for covered swap entities Statement
09/28/2015 Statement of FDIC Vice Chairman Hoenig on the semi-annual update of the Global Capital Index (GCI) of bank capitalization levels for the first half of 2015. Statement
09/16/2015 "The Leverage Ratio and Derivatives"
Remarks by FDIC Vice Chairman Hoenig to the Exchequer Club of Washington, DC
 Speech
08/12/2015 "Weakening Leverage Ratio Undermines Banks' Accounting"
Financial Times op-ed by FDIC Vice Chairman Hoenig		 Op-ed
08/4/2015 Statement of FDIC Vice Chairman Hoenig on regulatory relief for traditional banks to the Economic Growth and Regulatory Paperwork Reduction Act (EGRPRA) interagency outreach meeting; Kansas City, Missouri Statement
07/16/2015 Letter to Congress from FDIC Vice Chairman Hoenig on inter-affiliate margin requirements Correspondence
06/22/2015 "The Safe Way to Give Traditional Banks Regulatory Relief"
American Banker op-ed by FDIC Vice Chairman Hoenig 		 Op-ed
06/15/2015 "Higher Capital Doesn't Contribute to Lower Lending. Data Show the Opposite is True"
Letter to the editor of the Wall Street Journal from FDIC Vice Chairman Hoenig		 Letter-to-the-editor
05/20/2015 Statement of FDIC Vice Chairman Hoenig on strengthening bank capital Statement
04/21/2015 FDIC Board Meeting statement of Vice Chairman Hoenig on ANPR for identifying insurance deposit balances for insured depository institutions Statement
04/15/2015 "A Conversation about Regulatory Relief and the Community Bank"
Remarks by FDIC Vice Chairman Hoenig to the 24th Annual Hyman P. Minsky Conference; National Press Club, Washington, DC		 Speech
04/8/2015 "Want Simpler Regulation? Try Simplifying Your Bank First"
American Banker op-ed by FDIC Vice Chairman Hoenig		 Op-ed
04/2/2015 Statement of FDIC Vice Chairman Hoenig on the semi-annual update of the Global Capital Index (GCI) of bank capitalization levels for the second half of 2014 Statement
03/2/2015 "Financial Supervision: Basic Principles"
Remarks by FDIC Vice Chairman Hoenig to the Institute of International Bankers Annual Washington Conference; Washington, DC		 Speech
12/10/2014 Statement of FDIC Vice Chairman Hoenig on repeal of Dodd-Frank Section 716 swaps push-out requirements Statement
11/5/2014 A Credible Case for Resolving Through Bankruptcy
Remarks by FDIC Vice Chairman Hoenig to the George Washington University Law School conference on Financial Stability After Dodd-Frank; Washington, DC		 Speech
10/21/2014 FDIC Board Meeting Statement of Vice Chairman Hoenig on final rule on risk retention Statement
08/13/2014 Literature review on quantifying the too-big-to-fail subsidy for large banks Lit review
08/5/2014 FDIC board meeting statement of Vice Chairman Hoenig on the credibility of 2013 Title I plans (living wills) submitted by first wave filers Statement
06/2/2014 "Commercial Banking: One Industry?"
Remarks by FDIC Vice Chairman Hoenig to the North Carolina Bankers Association annual conference; Palm Beach, Florida		 Speech
05/7/2014 "Can We End Financial Bailouts?"
Remarks by FDIC Vice Chairman Hoenig to the Boston Economic Club; Boston, Massachusetts		 Speech
04/8/2014 FDIC board meeting statement of Vice Chairman Hoenig on the adoption of the Supplementary Leverage Ratio Statement
02/24/2014 "Economic Stablity, Capital, and the Persistence of Too Big To Fail"
Remarks by FDIC Vice Chairman Hoenig to the NABE 30th Annual Economic Policy Conference; Arlington, Virginia		 Speech
01/28/2014 Letter to the editor of the Wall Street Journal on leveraged lending, submitted by FDIC Vice Chairman Hoenig Letter to the editor
12/13/2013 "Global Banking: A Failure of Structural Integrity"
Remarks by FDIC Vice Chairman Hoenig to the Institute of International and European Affairs; Dublin, Ireland		 Speech
12/10/2013 FDIC board meeting statement of Vice Chairman Hoenig on the Single Point of Entry (SPOE) Strategy  Statement
11/26/2013 FDIC board meeting statement of Vice Chairman Hoenig on the proposed Supplementary Leverage Ratio Statement
09/13/2013 "Lehman Brothers: Looking Five Years Back and Ten Years Ahead"
Remarks by FDIC Vice Chairman Hoenig to the National Association of Corporate Directors, Texas TriCities Chapter Conference; Houston, Texas		 Speech
07/23/2013 Statement of FDIC Vice Chairman Hoenig on the use of international financial reporting standards (IFRS) in computing the leverage ratio for systemically important financial institutions Statement
07/9/2013 FDIC board meeting statement of Vice Chairman Hoenig on the Basel III interim final rule and the notice of proposed rulemaking on the supplementary leverage ratio Statement
06/26/2013 Avoiding Taxpayer Funded Bailouts by Returning to Free Enterprise and Pro Growth Bank Regulatory Policies
Testimony of FDIC Vice Chairman Hoenig to the US House Committee on Financial Services 		 Testimony
04/24/2013 Financial Stability: Incentives Matter
Remarks to The Asian Banker Summit; Jakarta, Indonesia		 Speech
04/17/2013 "A Turning Point: Defining the Financial Structure"
Remarks by FDIC Vice Chairman Hoenig to 22nd Annual Hyman P. Minsky Conference at the Levy Economics Institute of Bard College; New York, NY		 Speech
04/9/2013 Basel III Capital: A Well-Intended Illusion
Remarks by FDIC Vice Chairman Hoenig to the IADI Research Conference; Basel, Switzerland		 Speech
03/28/2013 "Stop Subsidizing Wall Street"
The Washington Post op-ed by FDIC Vice Chairman Hoenig 		 Op-ed
03/15/2013 Letter to the Bipartisan Policy Center Correspondence
01/17/2013 Banking Safety Net Makes Wall Street Dangerous
American Banker op-ed by FDIC Vice Chairman Hoenig		 Op-ed
12/13/2012 Get Basel III Right and Avoid Basel IV"
Op-ed submitted to the Financial Times		 Op-ed
12/1/2012 "Restructuring the Banking System to Improve Safety and Soundness"
(Original: May 2011; Revised: December 2012) PDF
White Paper on bank structure by Thomas M. Hoenig 		 White paper
11/30/2012 "Financial Oversight: It's Time to Improve Outcomes"
Remarks by FDIC Vice Chairman Hoenig to the AICPA/SIFMA FSA National Conference; New York, NY		 Speech
09/19/2012 "Financial Stability Through Properly Aligned Incentives"
Remarks by FDIC Vice Chairman Hoenig to the Exchequer Club; Washington, DC		 Speech
09/14/2012 "Back to Basics: A Better Alternative to Basel Capital Rules"
Remarks by FDIC Vice Chairman Hoenig to the American Banker Regulatory Symposium; Arlington, Virginia		 Speech
06/12/2012 FDIC board meeting statement of Vice Chairman Hoenig on rulemaking on the leverage ratio and risk-based capital standards Statement
06/11/2012 "No More Welfare for Banks"
Wall Street Journal op-ed by FDIC Vice Chairman Hoenig		 Op-ed
05/9/2012 Restructuring the Banking System to Improve Safety and Soundness" opening statement and testimony of FDIC Vice Chairman Hoenig to the US Senate Committee on Banking, Housing, and Urban Affairs; Subcommittee on Financial Institutions Subcommittee Testimony
1991-2011 Archived speeches delivered as President of the Federal Reserve Bank of Kansas City
 Speech

Last Updated: April 25, 2018