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Articles by Rob Binkowski
CFPB Narrows Small Business Lending Rule
Welcome to Goodwin’s Financial Services News Roundup. Our newsletter highlights important legal, regulatory, and business developments related to financial services and banking. IN THIS ISSUE 1 CFPB Narrows Small Business Lending Rule On May 1, the Consumer Financial Protection Bureau (CFPB) issued a amending the small business lending rule under Regulation B, which implements ECOA, as amended by section 1071 of the Dodd-Frank Act.
OCC and FDIC Issue Final Rule Prohibiting Use of Reputation Risk in Supervisory Frameworks
1 FinCEN Proposes AML/CFT Program Revisions Under the BSA; FDIC, OCC, and NCUA Propose Related Changes On April 7, the US Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) a rule revising the Bank Secrecy Act’s anti-money laundering (AML) and countering the financing of terrorism (CFT) program requirements for financial institutions (including banks, broker dealers, mutual funds, and money services business businesses, among others) to implement changes mandated by...
FinCEN Issues Exceptive Relief Order on Beneficial Ownership Verification Requirements | JD Supra
1 FinCEN Issues Exceptive Relief Order on Beneficial Ownership Verification Requirements On February 13, the US Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) issued an granting exceptive relief to covered financial institutions from certain requirements under the 2016 Customer Due Diligence Requirements for Financial Institutions rule (2016 CDD Rule).
FinCEN Issues Final Rule to Postpone Effective Date of Investment Adviser Rule to 2028 | JD Supra
IN THIS ISSUE 1 FinCEN Issues Final Rule to Postpone Effective Date of Investment Adviser Rule to 2028 On December 31, the US Department of the Treasury’s Financial Crimes Enforcement Network (FinCEN) adopted a (the Final Rule) delaying the effective date of the Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers (IA AML Rule) from January 1, 2026 until January...
OCC Issues Guidance And Proposed Rules To Reduce Regulatory Burdens On Depository Institutions
Welcome to Goodwin's Financial Services News Roundup. Our newsletter highlights important legal, regulatory, and business developments related to financial services and banking. On October 6, the Office of the Comptroller of the Currency (OCC) issued several announcements intended to reduce burdens on community banks and better allocate OCC resources toward higher-risk areas.
OCC Issues Guidance and Proposed Rules to Reduce Regulatory Burdens on Depository Institutions | JD Supra
1OCC Issues Guidance and Proposed Rules to Reduce Regulatory Burdens on Depository Institutions On October 6, the Office of the Comptroller of the Currency (OCC) issued several announcements intended to reduce burdens on community banks and better allocate OCC resources toward higher-risk areas.
Treasury Seeks Public Comment On Implementation Of The GENIUS Act
Rob Binkowski’s articles from Goodwin Procter LLP are most popular: within Finance and Banking topic(s) in United States with readers working within the Healthcare industries Welcome to Goodwin's Financial Services News Roundup. Our newsletter highlights important legal, regulatory, and business developments related to financial services and banking.
Treasury Seeks Public Comment on Implementation of the GENIUS Act | JD Supra
1 Treasury Seeks Public Comment on Implementation of the GENIUS Act On September 18, the US Department of the Treasury (Treasury) issued an advance notice of proposed rulemaking, seeking public comment related to Treasury’s implementation of the Guiding and Establishing National Innovation for US Stablecoins (GENIUS) Act.
Federal Bank Regulatory Agencies Issue Joint Statement On Crypto-Asset Safekeeping By Banking Organizations
Welcome to Goodwin’s Financial Services News Roundup. Our newsletter highlights important legal, regulatory, and business developments related to financial services and banking.
OCC Reaffirms Federal Preemption Regulations
On June 9, the Office of the Comptroller of the Currency (OCC) to a from the Conference of State Bank Supervisors (CSBS), denying CSBS' request that the OCC rescind its federal preemption regulations and affirming that the preemption regulations are consistent with the Dodd-Frank Wall Street Reform and Consumer Protection Act, relevant Supreme Court precedent, , directing federal agency heads to rescind regulations deemed unlawful based on a best reading of their underlying statutory...
Federal Reserve Removes References to Reputation and Reputational Risk in Its Supervisory Materials
Check Out Goodwin’s Latest Industry Insights New Client Alert: Federal Stablecoin Legislation Poised to Implement Comprehensive Regulatory Framework for Payment Stablecoins The “Guiding and Establishing National Innovation for U.S. Stablecoins of 2025” (GENIUS Act), which would comprehensively regulate stablecoins in the US, was adopted by the US Senate on June 17 by a bipartisan 68-30 vote.
Opinion: Why Americans should vote third party in 2020
The U.S. Embassy stands tall at 400 Sussex Dr. in Ottawa. [Featured image by Spencer Colby] As the 2020 U.S. presidential election approaches, once again it’s time to ask—should you vote third party? While your vote may not lead a selected party to victory, voting outside of the Democrat-Republican binary is the best decision for this year’s election.
Opinion: Consensus approach required for democracy in Poland
Judicial independence is a cornerstone of democracy as we know it; a system of justice that is free from political interference has the capacity to be truly just and unbiased. This is a system that works best in an already stable environment, such as Canada. The more politically stable an environment, the more likely it is that the justice system can exercise their privilege of maintaining independence.
Opinion: Calling essential workers ‘heroes’ is equally disingenuous as ‘thoughts and prayers’
Mixed in with all the other COVID-19 news, you may have heard the term “essential workers” or “essential services.” They basically refer to services (and the service’s employees) that are considered invaluable to the running of our country. You may have also noticed how much of a frenzy has been generated around appreciating essential workers and thanking them for working during the pandemic.
Opinion: Border checkpoints infringe on Canadians’ freedom of movement
A police officer from Gatineau Police Service checks a driver's documents on Chaudière Bridge. The COVID-19 situation is serious and requires great care. That much is undisputed. The question of government overreach, however, is disputable, especially in these tough times. Recently, a number of checkpoints have been set up by the police on the border between Quebec and Ontario to prevent “non-essential” travel.
Opinion: The Canadian government’s COVID-19 response is insufficient
“Enough is enough. Go home and stay home.” During a press conference, Prime Minister Justin Trudeau made it quite clear how he feels about the coronavirus situation. Aside from this quote, the prime minister has also scolded Canadians for their apparent failure to take the virus seriously. It seems that in his mind, the average Canadian simply does not care about the virus. They are brash, careless, and foolish. This is problematic, especially for the average-waged worker, which many students are.
Opinion: The Amber Alert system should have an opt-out option
We need to talk about Amber Alerts. If you don’t know what an Amber Alert is, here’s a short explanation: it’s a hue and cry-style public broadcast system meant to recruit the public into looking out for abducted children. However, even if you don’t know much about the system, chances are good you know about the controversy it has generated.
To eat or not to eat? Carleton’s food court, reviewed
The University Centre food court: there are places worth going, places worth trying, and places worth avoiding. If you often find yourself buying your lunch at school, skip the convenience store beef patties and check out this countdown of the top five snack shacks that are worth a bite! Burger 101 You might expect a burger in a university food court to be mediocre. You would be mostly right. But starting at $6 for a burger, and around $10 for a meal, you just can’t go wrong for that price range.
The six best places to get your coffee fix in Ottawa
Coffee doesn’t need a sales pitch, and neither do most coffee shops. That said, it makes a big difference where you get your coffee. You can’t expect mass-produced dirt water to be as good as a quality cup of java from your local neighbourhood cafe. We all know the big names: Starbucks, Tim Hortons, Second Cup. But if you’re in the mood for something of quality, then why not try one of these great places?
Opinion: CUSA’s slate system leads to illegitimate elections
Bookmarks detailing how to become eligible to vote were handed out to candidates at a meeting held Jan. 21. [Photo by Spencer Colby] In this year’s Carleton University Students’ Association (CUSA) election, the Students First slate won a clean sweep, their candidate filling every executive position. This result may entice students to think, logically, that Students First must be the best possible choice.
Finance: Financial identities-why we are so obsessed with appearing rich
The Green Revolving Fund is an annual $1-million investment created to fund sustainable projects across campus. (Graphic by Austin Yao) There’s no doubt money affects not only how we are perceived by others, but also how we choose to present ourselves to the outside world. Whether consciously or not, chances are you partake in both sides of this effect.
Opinion: Despite its popularity, Simard’s floor-crossing is undemocratic
Amanda Simard, MPP for Glengarry-Prescott-Russell, has recently chosen to leave the Progressive Conservatives and cross the party line to the Liberal Party. This is not the first recent party line crossing in Ontario. Simard has joined the ranks of such others as Maxime Bernier (Conservative to People’s Party) and Leona Alleslev (Liberal to Conservative). Crossing the party line during an elected term is a controversial move, and also quite undemocratic.
Opinion: Buzz around Royals coming to Canada simulates reality TV
British Royals Prince Harry and Meghan Markle announced plans to step back in their duties as prominent members of the Windsor royal family. By all means, the announcement was tasteful and clearly intended to state that their choice was motivated by the changing needs of Prince Harry’s growing family. The Royals have stated that Canada may be their choice of relocation, given their connection to the Commonwealth.
Opinion: Time benefits from outrage over Greta Thunberg as Person of the Year
The Person of the Year is an annual issue of Time magazine that highlights a significant person or group which most influenced the year’s events, for better or for worse. Beating out the Hong Kong Protestors, Donald Trump, Nancy Pelosi, and the Ukrainian scandal whistleblower, Greta Thunberg, the 17-year-old Swedish climate change activist, was given the designation for 2019. Thunberg is a rather controversial figure.
Finance: New year, new financial goals?
Whether you’ve consciously planned out your financial goals or not, everybody has some they are working towards. However, making sense of your financial goals is a difficult task, that can become all the more daunting when debt and unexpected expenses factor in. Many people find thinking about their financial goals, both in the long-term and the short-term, can cause anxiety and stress.
Finance: How you might be losing money without noticing
As most students realize, the time spent in university is very taxing, not only intellectually, but also financially. Between tuition, books, and cost of living, many students are forced to take out expensive student loans or work long hours to support themselves. That being said, a lot of the financial advice students are used to hearing is just common sense: don’t buy Starbucks twice a day, don’t use Uber too often, and other tidbits.
Opinion: Remembrance Day should be about honouring fallen soldiers, not politics
Remembrance Day is a holiday that seems to attract political discussion every year, and 2019 has been no exception. This is an issue that many people have never considered or thought of. However, the recent firing of sports commentator Don Cherry shows that division over how, and to what level, we should celebrate Remembrance Day is of great concern to Canadians.
Opinion: Increasing hockey costs are putting an important Canadian tradition at risk
Hockey is a sport that doesn’t need an introduction. Whether you played hockey as a kid, you have family members that play, or you just watch it on television, you know the Canadian identity just isn’t complete without the game. Sean Fitz Gerald’s new book, Before the Lights Go Out, predicts that despite hockey’s status as a cultural staple, it is at risk of becoming less popular as costs to play become prohibitively high.
Carleton should not be held responsible for destructive Panda partying
Rob Binkowski is a third-year criminology and criminal justice student who says while there is nothing wrong with the universities asking game-goers to party responsibly, “ultimately students have to be held responsible for their own actions.” Panda Game—an annual football match between the Carleton Ravens and the University of Ottawa (U of O) Gee-Gees—is a time-honoured tradition of celebrating university spirit through sports, drinking, and notoriously lively parties.
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