Risky behavior by banks is kept in check primarily with two tools: examinations and the rule that requires owners to keep a certain amount of their own money invested in their banks. Some people now want to tap the markets for further assistance with bank supervision.

The diagnosis on banks is comforting, despite a few weak spots here and there and an economy that's slowing down.

These government-sponsored enterprises continue to make headlines because of their explosive growth and resulting heavyweight status within the nation's financial system.

Anyone who sets any kind of policy can appreciate the dilemma that faces those trying to prevent construction in floodplains: Is it better to stick to the rules-no matter how harsh-or to exercise discretion under certain circumstances?

Commercial paper has become a force to be reckoned with in the U.S. money market. It comes with risks, though, that shouldn't be papered over.

Easy access to FHLB funds has helped community banks stay afloat in today's competitive markets, but could pose a risk to the FDIC's insurance fund.

After decades of beating out their peers in the return on average assets race, Eighth District banks now trail the pack.

In the cover story, find out why some bankers are encouraging Congress to raise the ceiling for insurance on deposits to $130,000 from $100,000 per account. Opponents point out that in the wake of the last increase, the S&L crisis occurred.

Reforms enacted after the S&L crisis have yet to persuade holders of jumbo CDs to monitor their banks' risky practices.