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<title><![CDATA[Sheila Bair - Articles - RealClearPolitics]]></title><link>http://www.RealClearPolicy.com/authors/rss/archive/19320.xml</link><description><![CDATA[Sheila Bair]]></description><category domain="19320">Author</category><item>
							<title><![CDATA[I Helped Bring in Bank Stress Tests. Time To Drop Them]]></title>
							<link>https://archive.is/jvOfG</link>
							<guid><![CDATA[https://archive.is/jvOfG]]></guid>							
							<pubDate>Tue, 04 Aug 2026 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The time-consuming ritual risks misleading the public about the true health of the financial system]]></description>
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							<title><![CDATA[Dangerous Playbook Revived for U.S. Housing Agencies]]></title>
							<link>https://www.ft.com/content/8f4ca4fa-f16b-4e4f-b93a-9524ef0726b8?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/8f4ca4fa-f16b-4e4f-b93a-9524ef0726b8?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Sun, 01 Mar 2026 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Increased buying of mortgage securities by Freddie Mac and Fannie Mae marks a return to a risky business model]]></description>
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							<title><![CDATA[U.S. Banks Need To Cut Their Credit Card Rates]]></title>
							<link>https://www.ft.com/content/0d01fcbb-4d47-41fa-9bf9-a34aef79ead3?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/0d01fcbb-4d47-41fa-9bf9-a34aef79ead3?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Sat, 24 Jan 2026 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Otherwise, an improbable, but politically potent, Trump-Warren team could do it for them.'&#'.ord('Ã').';''&#'.ord('‚').';']]></description>
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							<title><![CDATA[U.S. Economy Needs Expanded Deposit Insurance]]></title>
							<link>https://www.ft.com/content/526ff07f-eb69-403c-9715-8dd27a910ec1?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/526ff07f-eb69-403c-9715-8dd27a910ec1?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Tue, 07 Oct 2025 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[We need to support the thousands of community and regional banks that play a critical role in lending to growing businesses]]></description>
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							<title><![CDATA[Credit Scores Are Hazardous to Your Financial Health]]></title>
							<link>https://www.ft.com/content/f6f71a95-9e43-41c3-9a53-f577d31832a4?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/f6f71a95-9e43-41c3-9a53-f577d31832a4?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Sun, 19 Jan 2025 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Dominated by Fico ratings, scores serve the interests of the lenders, not consumers]]></description>
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							<title><![CDATA[Musk Should Keep His Hands Off the CFPB]]></title>
							<link>https://www.ft.com/content/83f8bf05-33d8-47f8-8e18-83bae9fb78c7?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/83f8bf05-33d8-47f8-8e18-83bae9fb78c7?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Thu, 12 Dec 2024 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The agency has a tiny budget but has helped the American consumer]]></description>
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							<title><![CDATA[Time To Rethink the FDIC Approach to Bank Rescues]]></title>
							<link>https://www.ft.com/content/e1ce2ba6-89e3-4132-8061-02120cf8165d?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/e1ce2ba6-89e3-4132-8061-02120cf8165d?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Tue, 12 Mar 2024 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The agency should have more flexibility rather than being compelled to chose the '&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('˜').';'least cost'&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('™').';' option]]></description>
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							<title><![CDATA[How Regulating Banks Inspired My Children's Books]]></title>
							<link>https://www.ft.com/content/9ef43687-8406-4ce7-9a1f-507918a3a24f?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/9ef43687-8406-4ce7-9a1f-507918a3a24f?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Thu, 28 Dec 2023 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Financial literacy should start early '&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('”').';' the principles will stay with you throughout your life]]></description>
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							<title><![CDATA[Regulators Must Resist Banks' Magical Thinking]]></title>
							<link>https://www.ft.com/content/420d0420-0cf6-4825-93dd-9a1c4b6d7760?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/420d0420-0cf6-4825-93dd-9a1c4b6d7760?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Thu, 14 Dec 2023 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The latest wheeze from lenders is to use '&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('˜').';'credit linked notes'&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('™').';' for capital relief]]></description>
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							<title><![CDATA[Zero Interest Policy Brought Sluggish Growth, Inequality]]></title>
							<link>https://www.ft.com/content/163db4c6-303d-4a52-9275-66359e4515e2?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/163db4c6-303d-4a52-9275-66359e4515e2?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Tue, 10 Oct 2023 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The era of zero interest policy was characterised by sluggish growth and yawning wealth inequality]]></description>
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							<title><![CDATA[The Federal Reserve Needs To Stay Put on Rates]]></title>
							<link>https://www.ft.com/content/de63c1b2-a65f-479c-a916-2fee4c40fcd1?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/de63c1b2-a65f-479c-a916-2fee4c40fcd1?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Tue, 25 Jul 2023 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[With inflation falling, further tightening of monetary policy only heightens the risk of recession and financial instability]]></description>
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							<title><![CDATA[U.S. Sets a Dangerous Precedent on Silicon Valley Bank]]></title>
							<link>https://www.ft.com/content/b860ebb6-f202-4ec6-a80c-8b1527c949f4?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/b860ebb6-f202-4ec6-a80c-8b1527c949f4?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Tue, 14 Mar 2023 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The FDIC seems to think the banking system is more fragile than it really is]]></description>
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							<title><![CDATA[Fed Must Emulate Volcker's Tactics Against Inflation]]></title>
							<link>https://www.ft.com/content/b82082c9-d26a-47a5-8b1a-34121f572645?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9</link>
							<guid><![CDATA[https://www.ft.com/content/b82082c9-d26a-47a5-8b1a-34121f572645?segmentId=b385c2ad-87ed-d8ff-aaec-0f8435cd42d9]]></guid>							
							<pubDate>Fri, 22 Jul 2022 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[]]></description>
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							<title><![CDATA[Republicans Must Bridge the Income Gap]]></title>
							<link>http://www.nytimes.com/2013/02/27/opinion/republicans-must-bridge-the-income-gap.html</link>
							<guid><![CDATA[http://www.nytimes.com/2013/02/27/opinion/republicans-must-bridge-the-income-gap.html]]></guid>							
							<pubDate>Wed, 27 Feb 2013 00:00:00 -0600</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Last month Emmanuel Saez, a celebrated economist at the University of California, Berkeley, issued another depressing report on income inequality. Among other things, Mr. Saez examined how real family incomes changed in the United States from 2009 to 2011, the first two years of the...]]></description>
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							<title><![CDATA[Europe Must Act Fast To Avoid A Bank Run]]></title>
							<link>http://www.realclearmarkets.com/</link>
							<guid><![CDATA[http://www.realclearmarkets.com/]]></guid>							
							<pubDate>Mon, 09 Jul 2012 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[FORTUNE -- Europe is starting to look more and more like the U.S. as it headed for the cliff in the fall of 2008. The continent's banking system is fragile and overleveraged. Making a scary situation even scarier is the lack of a central, credible authority to protect European bank...]]></description>
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							<title><![CDATA[Why the JPMorgan Behemoth Needs to Be Broken Up]]></title>
							<link>http://finance.fortune.cnn.com/2012/05/25/jp-morgan-chase-breakup/?iid=HP_LN</link>
							<guid><![CDATA[http://finance.fortune.cnn.com/2012/05/25/jp-morgan-chase-breakup/?iid=HP_LN]]></guid>							
							<pubDate>Fri, 25 May 2012 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[When I was a child, my sister and I loved watching the goings-on at a chicken farm near my grandmother's house in rural Kansas. Chickens are interesting social animals, resembling, somewhat, the way we in Washington interact with one another. They were always on the lookout for one...]]></description>
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							<title><![CDATA[Is the Fed Pushing Us Into Another Bubble?]]></title>
							<link>http://finance.fortune.cnn.com/2012/04/23/federal-reserve-rates-bubble/?iid=SF_F_Lead</link>
							<guid><![CDATA[http://finance.fortune.cnn.com/2012/04/23/federal-reserve-rates-bubble/?iid=SF_F_Lead]]></guid>							
							<pubDate>Tue, 24 Apr 2012 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[In a recent series of college lectures, Ben Bernanke sounded a positive note, extolling the Fed's low-interest-rate policy and predicting sustainable economic growth. I want to believe him, but his words echo the confidence exuded by the Fed in late 2006 when it missed the housing...]]></description>
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							<title><![CDATA[$10 Million Loans for Everyone!]]></title>
							<link>http://www.washingtonpost.com/opinions/fix-income-inequality-with-10-million-loans-for-everyone/2012/04/13/gIQATUQAFT_story.html</link>
							<guid><![CDATA[http://www.washingtonpost.com/opinions/fix-income-inequality-with-10-million-loans-for-everyone/2012/04/13/gIQATUQAFT_story.html]]></guid>							
							<pubDate>Sun, 15 Apr 2012 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Are you concerned about growing income inequality in America? Are you resentful of all that wealth concentrated in the 1 percent? I'&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('™').';'ve got the perfect solution, a modest proposal that involves just a small adjustment in the Federal Reserve'&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('™').';'s easy monetary policy. Best of all,...]]></description>
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							<title><![CDATA[U.S. Financial System Is Seriously Broken]]></title>
							<link>http://www.washingtonpost.com/opinions/our-focus-on-the-short-term-is-holding-the-economy-back/2011/07/06/gIQAw3cI4H_story.html</link>
							<guid><![CDATA[http://www.washingtonpost.com/opinions/our-focus-on-the-short-term-is-holding-the-economy-back/2011/07/06/gIQAw3cI4H_story.html]]></guid>							
							<pubDate>Sun, 10 Jul 2011 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[The nation is still struggling with the effects of the most  serious financial crisis and economic downturn since the Great  Depression. But Wall Street seems all too ready to return to the same  untenable business practices that brought it to its knees less than  three years ago.And...]]></description>
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							<title><![CDATA[The Road to Safer Banks Runs Through Basel]]></title>
							<link>http://www.ft.com/cms/s/0/a1dfbd02-aee8-11df-8e45-00144feabdc0.html</link>
							<guid><![CDATA[http://www.ft.com/cms/s/0/a1dfbd02-aee8-11df-8e45-00144feabdc0.html]]></guid>							
							<pubDate>Tue, 24 Aug 2010 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[Of all the lessons learnt in the recent financial crisis, the most fundamental is this: excessive leverage was a pervasive problem that had disastrous consequences for our economy.When  large banks and other financial institutions got into trouble, many of  them did not have a sufficient...]]></description>
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							<title><![CDATA[The Case Against a Super-Regulator]]></title>
							<link>http://www.nytimes.com/2009/09/01/opinion/01bair.html?ref=opinion</link>
							<guid><![CDATA[http://www.nytimes.com/2009/09/01/opinion/01bair.html?ref=opinion]]></guid>							
							<pubDate>Tue, 01 Sep 2009 00:00:00 -0500</pubDate>
							<author>Sheila Bair</author>
							<description><![CDATA[WashingtonTHE Obama administration has proposed sweeping changes to our financial regulatory system. I am an active supporter of the key pillars of reform, including the creation of a consumer financial protection agency and the administration'&#'.ord('Ã').';''&#'.ord('¢').';''&#'.ord('Â').';''&#'.ord('€').';''&#'.ord('Â').';''&#'.ord('™').';'s plan to consolidate the supervision...]]></description>
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