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Commentary by Steven Lofchie

FDIC Vice Chair Thomas M. Hoenig asserted that "while there has been progress in improving capital regulation, much remains undone." In remarks made before the 18th Annual International Banking Conference at the Federal Reserve Bank of Chicago, he argued: "there is no place for complacency regarding the stability of our financial system." Vice Chair Hoenig emphasized that global banks "are not as well capitalized as some within the industry would have you believe." As to: Risk Prediction : Vice Chair Hoenig questioned "whether the effect of such a requirement that is designed to make a firm