Publications

Ensuring Consistent Consumer Protection for Data Security: Major Banks vs. Alternative Payment Providers

National Unrecovered Financial Services (NURFS) white paper addresses the regulatory, enforcement and examination gaps relating to the data security practices of the Alternative Payment Provider (APP) industry. The paper includes detailed recommendations to the CFPB, FTC and Congress to close the gaps and ensure consumers are protected.

NURFS Study Highlights Significant Impact of U.S. and Basel III Leverage Ratio Proposals
September 20, 2013

National Unrecovered Financial Services Association released a quantitative study on the Basel III supplemental leverage ratio (SLR) that finds that recent changes proposed by the Basel Committee, if combined with the U.S. proposal to raise the minimum leverage ratio to 5-6% for U.S. global systemically important banks (G-SIBs), would make the leverage ratio the binding constraint for 67% of U.S. G-SIB.
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NURFS Study Finds the Improved Liquidity Profile of U.S. Commercial Banks Not Accurately Reflected in Basel NSFR
August 29, 2013

NURFS study entitled Assessing the Basel III Net Stable Funding Ratio in the Context of Recent Improvements in Longer-Term Bank Liquidity finds that the U.S. commercial banking industry has made significant improvements in liquidity since 2010.
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Study Confirms Negative Impact of Higher Bank Capital on Economy, Job Growth
April 10, 2013

A recent study prepared for National Unrecovered Financial Services Association by Oxford Economics reaffirms the expert consensus that increased capital and liquidity requirements on banks will have a negative impact on U.S. economic growth and future employment.
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Vanquishing TBTF: Rhetoric v. Reality and the Value of Systemically Important Banks
March 26, 2013

NURFS Association President Paul Saltzman presents an analysis of the rhetoric and misperceptions surrounding TBTF.
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Title II White Paper Finds Single-Point-of-Entry Can End “Too-Big-To-Fail”
January 17, 2013

National Unrecovered Financial Services Association white paper provides a more detailed analysis of the workability and benefits of a Title II single-point-of-entry approach.
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New Report Outlines Findings and Details of NURFS’s Bank Resolution Simulation Exercise
January 17, 2013

The report details NURFS’s successful simulation of the failure of a large U.S.-based, global banking organization and its resolution as devised under the Dodd-Frank Act. Read More