FINANCIAL SERVICES

Capstone is the leading independent regulatory research provider for financial services. We provide clients with in-depth analysis of how federal and state policies affect investments in the financial services sector. The financial services team complements its expertise in policy and politics with substantial buy and sell-side experience.

 

The financial services industry is constantly being transformed by new laws as well as by a more activist philosophy on the part of regulators. Capstone analysts are adept at balancing sophisticated investment analysis and expert policy analysis to provide our clients with thorough research on political forces that could impact the financial services sector. Our deep understanding of the connection between financial services and public policy allows us to track and analyze regulatory and policy changes surrounding issues such as bank regulatory policy and regulatory relief, the Department of Labor's (DOL) fiduciary duty rule, capital markets and the outlook for the Consumer Financial Protection Bureau (CFPB).

 

In addition, we provide expertise in financial policy to gain deep-dive insights on the regulatory risks and opportunities associated with a potential investment for our private equity investors. Our deep-dive analysis is informed by in-depth research and extensive conversations with a broad swath of relevant stakeholders on a particular issue or set or issues, from regulators to lawmakers to industry and lobbying groups to academics driving the future of the industry.

 

Capstone provides in-depth analysis of decisions critical to the financial sector made by regulators, including the Federal Reserve, Department of the Treasury, Securities and Exchange Commission (SEC), Commodity Futures Trading Commission (CFTC), Federal Housing Finance Agency (FHFA), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Office of the Comptroller of the Currency (OCC), Department of Housing and Urban Development (HUD) and state regulators.

 

Selected Issues:

  • Housing finance reform – The opportunities and challenges presented by the quickly evolving sector of mortgage finance
  • Bank regulation – Basel III implementation and other issues facing banks
  • Specialty finance – Substantial private and public market experience in the consumer credit space
  • Non-bank mortgage servicers – Analysis of the new regulatory era for mortgage servicers
  • Non-bank systematically important financial institutions (SIFI) designation – Analysis of the designation process