Today’s hearing is intended to serve as a venue to: discuss whether or not the 2002 revisions to Regulation C provided useful and accurate information about the mortgage market; gather information that will help assess the need for additional data elements or improvements; and identify emerging issues in the mortgage market that may require  BIS Review 96/2010  1  additional research.
[36] In this sense, retail deposits allow banks to hedge some interest rate risk on the asset side of their balance sheet: when interest rates rise, the value of assets falls, and the value of the deposit franchise rises. However, the deposit franchise is valuable only if depositors remain in the bank.