RBS Tumbles After Failing BoE’s “Toughest Ever Stress Test”

While the term ‘stress test’ has been applied almost mockingly to European and US banks in an effort to create confidence for investors (because if the government sees risks ‘contained’ then why worry), this morning’s Bank of England stress test results highlighted “capital inadequacies” for three major UK banks. While Barclays and Standard Chartered fell short, it is taxpayer-owned Royal Bank of Scotland that is slumping on a need to cut costs, raise capital, and sell assets.

As Bloomberg reports, RBS has agreed to deepen cost cuts and sell additional assets to improve its resilience, the bank said in a separate statement.

Eight years after its 45.5 billion-pound ($56.6 billion) bailout from taxpayers, the Edinburgh-based lender still has work to do to bolster its financial strength. The test poses the latest setback in McEwan’s efforts to return the lender to profitability and full private ownership. The CEO has said he’ll unveil plans to further shrink the bank and reduce costs alongside full-year results next year.

 

“They have fallen short of the hurdles, and they have some more work to do,” Bank of England Deputy Governor Sam Woods said at a press conference in London. RBS’s new capital plan is “fully credible, the PRA board looked at that carefully and reached that conclusion as well. We’ll hold them to delivery.”

RBS is down over 12% from post-Trump euphoric highs, erasing all of the gains since the election

 

As Bloomberg reports, some “capital inadequacies” were revealed at two other banks, Barclays Plc and Standard Chartered Plc, though neither was required to submit a revised capital plan, the BOE’s Prudential Regulation Authority said on Wednesday.

 

So to sum up – 8 years after the financial crisis was ‘fixed’, with financial asset prices at record highs, 3 UK banks remain “undercapitalized,” but do not worry as The BOE’s Financial Policy Committee judged that no system-wide macroprudential action on bank capital was needed in response to the test.

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Mnuchin, Ross Confirm Trump Nominations On CNBC

Following yesterday’s press reports that Steve Mnuchin and Wilbur Ross would be selected for two of the top economic posts in Donald Trump’s administration, earlier today the two confirmed their nominations to lead the U.S. Treasury and Commerce Department, respectively. Mnuchin and Ross spoke on CNBC’s “Squawk Box.”

Steven Mnuchin made his comments on “Squawk Box,” as his selection was being announced. He said he believes the U.S. economy can grow at a sustained rate of 3 percent to 4 percent. Fair trade will also help boost the economy, Mnuchin said — sentiments echoed on CNBC by Trump’s choice for commerce secretary, Wilbur Ross. Mnuchin said tax reform is going to be a major driver of that growth, and added that the Trump administration is going to bring a lot of money back into the U.S. by cutting the corporate rate to 15 percent.

Ross said he aims to fix “dumb trade” deals, while getting rid of tariff barriers. The Dodd-Frank banking regulations are too complicated and a headwind to lending, said Mnuchin, a key Trump campaign figure and a Wall Street veteran with ties to Hollywood. Mnuchin said interest rates are likely to stay low for a few years, but the recent rise in bond yields make sense. “We’ll look at potentially extending maturity of the debt because eventually we’re going to have higher interest rates.”

Regarding the Fed, Mnuchin said that Fed Chair Janet Yellen has done a good job, said Mnuchin. Ross, a billionaire distressed asset investor, also said he thinks Yellen has done a “reasonably good job” under tough circumstances.

Mnuchin, 53, will be the second Goldman Sachs alumnus with a key role in the incoming administration, following Stephen Bannon’s nod as chief strategist and senior counselor. If confirmed by the Senate, Mnuchin would become the third former Goldman Sachs executive to head the Treasury Department since the mid-1990s.

With the Mnuchin and Ross selections, Trump’s economic team is taking shape. As Treasury chief, Mnuchin would be a crucial player in carrying out Trump’s campaign pledges to quickly tackle some of the nation’s most contentious political and economic issues. Those include overhauling the tax code, reconsidering a deal that lifted some sanctions on Iran, renegotiating trade agreements to help American manufacturers and designating China a currency manipulator.

 

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Frontrunning: November 30

  • Oil soars on OPEC hopes, dollar renews its surge (Reuters)
  • Oil Rallies on OPEC Optimism, Spurring Gains in Energy Producers (BBG)
  • Saudis say to take ‘big hit’ on oil output for OPEC deal, Iran can freeze (Reuters)
  • Leaner and meaner: U.S. shale greater threat to OPEC after oil price war (Reuters)
  • an the U.S. Become an Energy Superpower in 2017? (BBG)
  • RBS Fails Toughest-Ever BOE Stress Test, Boosts Capital Plan (RBS)
  • Romney heaps praise on Trump after dinner (Reuters)
  • Trump announces December 15 news conference to discuss leaving business (Reuters)
  • U.S. to Forgive at Least $108 Billion in Student Debt in Coming Years (WSJ)
  • Euro-Area Inflation Accelerates Before Key ECB Decision on QE (BBG)
  • GM’s Ready to Lose $9,000 a Pop Chasing the E-Car Boom (BBG)
  • Bank of England sees global financial risks after Trump victory (Reuters)
  • President Obama: ‘Michelle will never run for office’ (Rolling Stone)
  • Air France Workers Get Suspended Jail Terms in Torn-Shirt Case (WSJ)
  • Italy: The Next Stop on Populism’s Global March (WSJ)
  • Philip Morris CEO looks towards phasing out cigarettes (Reuters)
  • Manhattan Home Resellers Slow Deals With Dreams of 40% Returns (BBG)
  • CIA’s Brennan says tearing up Iran deal would be ‘folly’ (Reuters)

 

Overnight Media Digest

WSJ

– President-elect Donald Trump will name long-time banker and former Goldman Sachs executive Steven Mnuchin as Treasury secretary, turning to a campaign loyalist and fundraiser for the incoming administration’s top economic cabinet post, a transition official said Tuesday. http://on.wsj.com/2fK56fO

– Residents of Chapeco, Brazil, struggle with news that a plane crash has decimated their soccer team, Chapecoense, a scrappy bunch of no-names, who clawed their way into the top ranks of Brazilian soccer, and were preparing for the biggest match of their lives. http://on.wsj.com/2guv8oO

– At least three people died in the wildfires raging in Gatlinburg, Tenn., and at least 14 people were transported to hospitals with fire-related injuries, according to city officials. http://on.wsj.com/2fKcEPq

– Wilbur Ross Jr., who has been picked as the next commerce secretary, will be tasked with trying to bring home manufacturing jobs that have fled overseas, a key plank of President-elect Donald Trump’s trade agenda. http://on.wsj.com/2gId7mc

– Carrier Corp has agreed to keep in Indiana roughly half of the 2,100 jobs it had planned to shift to Mexico, after a lobbying effort from the incoming Trump administration. http://on.wsj.com/2fAD76W

– U.S. home prices have climbed back above the record reached more than a decade ago, bringing to a close the worst period for the housing market since the Great Depression and stoking optimism for a more sustainable expansion. http://on.wsj.com/2fHPZ6z

– Corporate profits continued to rebound in the third quarter alongside solid growth in the broader U.S. economy. Compared with a year earlier, after-tax profits rose 5.2 percent in the third quarter, the first annual increase since late 2014. http://on.wsj.com/2gEnAPE

– In tapping Rep. Tom Price and Medicaid consultant Seema Verma for top health positions, President-elect Donald Trump has signaled that he intends to put conservative health-policy goals at the forefront of his administration. http://on.wsj.com/2gGsH1Q

– Altice USA, the fourth largest U.S. cable operator, said it plans to convert its entire network into an ultrafast fiber-to-the-home network capable of 10 gigabits-per-second speeds within the next five years, a bold plan that takes aim at the company’s fierce rival, Verizon Communications Inc’s Fios. http://on.wsj.com/2gHlq34

 

FT

Co-operative Energy has been chosen to supply customers of bankrupt GB Energy, British energy regulator Ofgem said. Ofgem said the company will honour all outstanding credit balances for present and past customers.

German industrial gases group Linde has received a fresh approach from U.S. rival Praxair for a merger of equals and its executive board is reviewing the proposal. The two parties abandoned talks in September to create a $60 billion-plus market leader after failing to agree on where important functions would be located and who would occupy key positions.

Sky Plc said it would enter the UK mobile market with a SIM-only deal that allows data allowances to roll over each month, and offers free calls to the 11 million British households that take its TV services. It was “time to shake up” the mobile market, particularly in data, where many customers paid for more than they used because they were worried about exceeding their allowance, the pay-TV group said on Tuesday.

Britain’s telecoms regulator will go to the European Commission to try to force BT Group Plc to legally separate Openreach, the division that supplies broadband to millions of homes and businesses, in a major reform aimed at spurring investment in the country’s ageing network.

South Korea said on Tuesday it plans to disallow sales of two Nissan Motor Co Ltd, one BMW AG and three Porsche AG car models after finding errors in certification documents for the car makers’ imported models.

 

NYT

– Steven Mnuchin, a financier with deep roots on Wall Street and in Hollywood, is expected to be named Donald Trump’s Treasury secretary as soon as Wednesday. http://nyti.ms/2gikMuK

– Uber, at the European Court of Justice, defended itself by asserting that it was helping to bolster Europe’s digital economy, in a long-awaited hearing to decide how the ride-hailing service should be able to operate across the region. Uber’s legal challenge in Europe represents a direct attack on how Uber operates in the region. http://nyti.ms/2giot3x

– President-elect Donald Trump proposed that Americans who protest government policies by burning the flag could lose their citizenship – meaning, among other things, their right to vote – as punishment. http://nyti.ms/2giounT

– Intel, Delphi Automotive and Mobileye plan to collaborate in an alliance in which Intel will provide specialized computer chips to Delphi, an auto supplier, and Mobileye, which specializes in vision systems that have been used in some of the autonomous-driving systems made by Tesla. Delphi and Mobileye would begin using the Core i7 Intel chip, and later would use a more powerful and unnamed processor to be unveiled in a few weeks. http://nyti.ms/2gipfgE

– – President-elect Donald Trump and Mike Pence, Indiana’s governor and the vice president-elect, plan to appear at Carrier’s Indianapolis factory on Thursday to announce a deal with the company to keep roughly 1,000 jobs in the state. http://nyti.ms/2gii1JF

– In a decision that will prompt showdowns with environmentalists, indigenous groups and some political allies, Canada’s Prime Minister Justin Trudeau approved the expansion of a pipeline linking the oil sands in Alberta to a tanker port in British Columbia. http://nyti.ms/2gijq2M

 

Canada

THE GLOBE AND MAIL

** The federal government has approved two major crude oil pipelines, including the controversial expansion of Kinder Morgan’s Trans Mountain line to Vancouver. Ottawa will also impose a moratorium on crude oil tankers off the northerly coast of British Columbia. (https://tgam.ca/2fCpGDB)

** Canadians have increasingly been spending more to visit Cuba as resorts switched pricing to U.S. dollars in preparation for a flood of American tourists. (https://tgam.ca/2fCoPCF)

** Executives from Air Miles parent company LoyaltyOne Inc, one of Canada’s largest loyalty program companies, went to Queen’s Park on Tuesday to state their objection to a bill that would deny them the right to have points in their programs expire in Ontario. (https://tgam.ca/2gIWjeH)

** Donald Trump is taking direct aim at Barack Obama’s legacy as he assembles an administration team bent on rolling back some of his signature reforms in health care, immigration and more. (https://tgam.ca/2fCcGOd)

NATIONAL POST

** Prime Minister Justin Trudeau announced approvals for two major export pipelines Tuesday, while dismissing a third pipeline and imposing a ban on oil tanker traffic on the northern section of British Columbia’s coast. (http://bit.ly/2gIZzqG)

** Amazon Inc remains tight-lipped about its plans to launch its video streaming service in Canada, but local players anticipate the deep-pocketed competitor will enter the market by the end of the week. (http://bit.ly/2gIUizr)

** Foreign home ownership levels have nudged their way up in Vancouver despite a tax brought in by the provincial government which adds an extra 15 percent to the purchase price for any overseas buyers. (http://bit.ly/2gIYejM)

 

Britain

The Times

* Polish Foreign Minister Witold Waszczykowski has cast doubt on Brexit ever happening, saying that Britain should stay in the European Union as long as possible. http://bit.ly/2gDKQkz

* German Chancellor Angela Merkel delivered a terse message to British Prime Minister Theresa May that she would not help Britain by agreeing on specific issues, even ones supported by Germany. http://bit.ly/2gDRves

The Guardian

* A mining company, Scotgold Resources Ltd, hoping to open the only underground goldmine in the Scottish Highlands has sold its first gold in the form of 11 commemorative coins. http://bit.ly/2fOpzU2

* British regulator Ofcom has chosen Co-operative Energy – a company that last month paid out 1.8 million pounds ($2.25 million) in compensation to customers – to take over the supply GB Energy’s gas and electricity customers. http://bit.ly/2gGQFeo

The Telegraph

* Motorists could see the price of foreign cars jump by 1,500 pounds if Britain fails to agree a deal on trade tariffs when it leaves the European Union, warned Gareth Jones, president of the Society of Motor Manufacturers and Traders. http://bit.ly/2gGrA36

* Sky Plc has launched its attack on the mobile market, hoping to convince millions of its pay-TV customers to defect from their current provider with the offer of unlimited free calls and texts. http://bit.ly/2fAv3Dp

Sky News

* Hauts-de-France, the northern part of France encompassing Calais and Lille, is calling on British businesses to consider using it as a foothold inside the European Union after Brexit. http://bit.ly/2fOBcdD

* One of Britain’s leading industrialists, George Buckley, has emerged as a surprise candidate to lead Tata, the giant Indian conglomerate that is among the UK’s largest inward investors. http://bit.ly/2gCzrkP

The Independent

* British regulator Ofcom says it will file plans to force BT Group to set the broadband infrastructure provider up as a legally separate entity with the European Commission as talks over a voluntary deal drag on. http://ind.pn/2gRIQpm

 

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Challenge Grant Time in the Reason Webathon! Because We Still Treat Presidential Politics as if (Bad) Ideas Matter

#NeverForget ||| Jerry Lewis TelethonWe are here on the second day of Reason’s annual Webathon, in which we ask you, the people who fight in the comments over which staffer to fire first, to nonetheless throw some tax-deductible money our way so that we can bring you even more in journalism and commentary defending and extending Free Minds and Free Markets.

Please donate right the Fletch now to get us closer to our $250,000 goal!

As of around 7:30 this morning, 151 of you generous human-bots had gifted us around $23,000, or 9.2% of the goal at the halfway point of the first quarter of the Webathon. Now, while we treasure each and every dollar and Bitcoin and Bubble-world Sandersback, we’re basically still at our own 10-yard line (and even then with a generous spot!), at a time when we really should be around, oh, the 13. WE NEED A TOUCHDOWN, IS WHAT I AM SAYING….Oh wait, what are those footsteps I hear coming from the runway leading from the locker room, clanking closer and closer, a modern-day Tom Jarrett here to inhabit our mortal bodies and finally lead my Youngblood-era L.A. Rams to the Super Bowl? Why it’s a $25,000 CHALLENGE GRANT!

Gillespie could still throw a mean spiral back in '78. ||| Paramount PicturesThat’s right, ladies and gents and less classifiable creatures, the beloved Reason donor (and Trustee) Kerry Welsh (no relation) and his even lovelier wife, Helen Welsh, have announced a $25,000 challenge grant here to kick off Day Two. What does such magick mean for us non-math majors? That the next $25,000 in donations, IF AND WHEN IT COMES, will be literally doubled. It’s like a government-spending multiplier, only not totally fake!

So why double your giving pleasure? Today, in singing for my supper, I’m going to jump head-first into a hornet’s nest of a coverage category: politics (ducks away from flying shoe).

Like all zero-sum scrums, politics is intrinsically divisive, including/especially amongst quarrelsome libertarians. And like all taxation-based entities, government is inherently confiscatory and brutish. This is why Reason magazine has spent 48-plus years on this earth trying to roll back the influence of both factors in our lives, while celebrating the wonders conjured far from their grasp. As Katherine Mangu-Ward put it in her very first (and very great!) column as editor in chief, it’s “Trump vs. Clinton vs. Everything Good.”

We cover politics for two main reasons, and from two main angles: 1) As an act of defense against policies that that harm human liberty and flourishing, and 2) as an attempt to smuggle into the very diverting (particularly this year!) yet largely calorie-free National Conversation about politics some ideas that help us out with Task #1. Because even if any given political competition isn’t necessarily determined by the quality of policy proposals, the discussion generated by campaigns does end up translating into government action—maybe in the future, with different politicians, in far-flung jurisdictions. The collective exertion of power always affects the lives of individual humans, and, well, you know which side we’re on.

Bern baby Bern! ||| ReasonHere’s how such a 1-2 approach works in practice. Remember when Hillary Clinton was having her heels nipped repeatedly by the unlikely longshot Bernie Sanders, whom some libertarians were going a bit wobbly for (which our work directly helped talk them out of)? At the zenith of the Democratic competition our mag published a special package on the cantankerous Vermont democratic socialist that delved into his past and his popularity, concluding in sadness more than anger that what was animating his would-be revolution and sending shivers down Clinton’s pantsuit wasn’t the promising civil liberties/foreign policy part of his issue-set, but rather his genuinely terrible economic policies. Look around you at any blue state or big, progressive city, and you will see these Bernieite Fights for $15 playing out all around you. In like 340 cities just yesterday, for example.

So renowned classical liberal author and known Swede Johan Norberg wrote for this issue a terrific essay, titled “Bernie’s Right—America Should Be More Like Sweden,” that in a fell swoop dismantled for all time the lazy American-left love affair with Scandinavian economics of which it knows next to nothing. My favorite Norbergian tidbit: “[W]hen President Barack Obama visited Sweden in 2013, the three big Swedish trade unions sent him a letter requesting a meeting. Their agenda: a discussion of ‘how to promote free trade.’ The chairman of the largest Social Democratic trade union scolded the American president for his insufficient commitment to the free flow of goods.” In the same edition I had a piece on “Bernie’s Bad Ideas,” limiting myself to just 10 of his economic howlers. Both articles drew more than 100,000 page views, a kind of reach almost unheard of back when we first started these Webathon thingies, but now fairly routine (for instance, we’ve cleared that hurdle at least seven times already this month).

Bernie’s eventual vanquisher, alas, lacked even his leavening civil liberties component and endearing ear-hair. We published cover stories on Hillary Clinton’s long and woefully undercovered war on free speech, treated seriously her unrepentant warmongery, documented her open hostility to the sharing economy and public school reform, reminded readers of her awful track record on guns and drugs, and pointed out in careful detail her habit of saying knowingly untrue things in relation to her willfully obfuscatory email management system. Within hours of FBI Director James Comey’s remarkable press conference, Reason TV’s Austin Bragg issued forth this damning video laying bare Clinton’s disproven lies. It was viewed more than 650,000 times on YouTube, and more than 13 million times on Facebook:

There is a handy if not always safe-for-polite-society phrase deployed by the Reason commentariat that goes a little something like this: “No, fuck you, cut spending.” One of our consistent critiques of the new president-elect, and the new flavor of politics he’s adding to the mix, is that he has untethered conservatism from fiscal sanity even more explicitly than Mitt Romney and George W. Bush before him. In my October cover story “Debt Denialists,” after laying out how Democrats under President Barack Obama went from promising to reform entitlements to campaigning on expanding them, I turned my attention to the Republican who won his primary in part by promising to “save your Social Security…and your Medicare,” and running to the left of Hillary Clinton on trade:

Not just a river in the Chesapeake drainage area. ||| ReasonTrump walked back [his promise to cut the debt] three weeks later, largely on the grounds that the federal government has some big-ticket spending items to accomplish, in addition to fulfilling his promises to protect entitlements. “I’d rather not be so aggressive,” he told Fortune. “Don’t forget: We have to rebuild the infrastructure of our country. We have to rebuild our military, which is being decimated by bad decisions. We have to do a lot of things.” In August, he unveiled a plan to outspend even Hillary Clinton on infrastructure, throwing a half-trillion dollars at rebuilding bridges and highways and so forth. […]

On July 27, the independent, bipartisan Committee for a Responsible Federal Budget estimated that under Trump’s announced plans thus far, the national debt would double over the next decade to $39.5 trillion. As Peter Suderman has observed at reason.com, the Republican nominee’s “proposed Social Security reform would attempt to cover a $150 billion fiscal gap by cutting waste, fraud, and abuse—which only amounts to about $3 billion. Trump has also suggested that the government could save $300 billion through savings in a program that only spends $78 billion. It’s total nonsense.”

While Trump’s unique campaigning style presents equally unique challenges to political and policy journalists in distinguishing literal from serious, realignment from pendulum swing, and our own personal/professional mores from those of the electorate, he has already shown an ability to jerk a rudderless GOP even further in his direction on such freedom-impacting issues as immigration and trade, and is weeks away from wielding all that delicious executive power that his two predecessors aggrandized. So when he tweets such intentionally distracting, constitutional non-starters as revoking the citizenship of flag-burners, we will more or less live by this Popehat motto—”Prudence requires us to put Trumpisms in perspective; it shouldn’t prevent us from continuing to articulate our core values and talk about the things that are important to us”—and then get on with the business of discussing in knowledgeable detail how his proposed policies and personnel may actually affect us in the real world.

It's all over, Mr. Garrison. ||| ReasonIn a political atmosphere that looks to be suffused in semi-permanent hysteria, you can count on Reason under Trump to simultaneously play defense against any hints of authoritarianism, while being open to and even encouraging about the very real possibility that he could be the most deregulatory U.S. president in decades. Check out our coverage on his intriguing picks for the Departments of Education and Health and Human Services, as well as his less inspired choices for Attorney General and CIA director, for the basic template going forward.

Look, it’s politics, so people (including us!) can get emotional about things sometimes. But unlike just about every other media outlet except three, we wear our political preferences on our sleeves, and labor always to keep near our frontal lobes both your idiosyncratic coverage desires—and we’ll get to some of those later in the Webathon—and the end goal of advancing the free society.

Now, speaking of end goals, CHALLENGE GRANT! DONATE TO REASON RIGHT THE HELL NOW.

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Bank Of England Warn Of “Challenging” Outlook For Britain’s Financial System

Ulster Bank Parent RBS Fails Bank of England Stress Test

“Royal Bank of Scotland (RBS)(RBS.L) will cut costs and sell assets to boost capital levels, it said on Wednesday after failing this year’s Bank of England stress test, which warned of a “challenging” outlook for Britain’s financial system.

The state-backed lender rushed out a statement following the announcement to say it would take a range of actions, including selling off bad loans and cutting costs to make up the capital shortfall identified by the tests of around 2 billion pounds.

The unexpected result underlines the litany of problems RBS is grappling with, which include a mounting legal bill for misconduct ahead of the 2008 financial crisis and difficulties selling off assets such as its Williams & Glyn banking business.

The lender said it had agreed a plan of action with the Prudential Regulation Authority, the Bank of England’s enforcement arm, that should mean it does not have to tap markets to raise the money needed.”
From Reuters

We warned of the RBS, Ulster Bank ‘£100 Billion Black Hole’ and the bail-in risk due to the ‘danger of failing’ in June 2014 here

Bail-ins can now be used in the UK, EU, U.S. and G20 countries. Banks internationally and especially in Europe remain vulnerable.

After Cyprus, which country will be the next to suffer bail-ins? Will RBS and by extension Ulster Bank, be the first UK and Irish banks to be subject to bail-ins?

Download Guide Here

Gold and Silver Bullion – News and Commentary

Gold prices firm as markets brace for OPEC meeting (Reuters.com)

Trump to tap ex-Goldman Sachs banker Steven Mnuchin as Treasury secretary (MarketWatch.com)

Trump to name Wilbur Ross as commerce secretary (MarketWatch.com)

Gold prices register third decline in 4 sessions (MarketWatch.com)

Trump is meeting with an ex-bank CEO who wants to abolish the Federal Reserve and return to the gold standard (BusinessInsider.com)

War on Cash and Gold In India to Benefit Silver? (TheConversation.com)

Trump Considers Strong Gold Standard Advocate for Treasury Secretary (AveryBGoodMan.com)

Italy Seen More Likely To Exit Eurozone Than Greece; Italian Bond Yields Surge (ZeroHedge.com)

What Investors Can Learn From Gold Priced In Yen? (Gold-Eagle.com)

Palladium: Signals of Market Supply Shortage (SafeHaven.com)

7RealRisksBlogBanner

Gold Prices (LBMA AM)

30 Nov: USD 1,187.40, GBP 952.06 & EUR 1,115.44 per ounce
29 Nov: USD 1,187.30, GBP 952.45 & EUR 1,119.98 per ounce
28 Nov: USD 1,189.10, GBP 956.51 & EUR 1,117.99 per ounce
25 Nov: USD 1,187.50, GBP 953.30 & EUR 1,121.83 per ounce
24 Nov: USD 1,187.25, GBP 953.60 & EUR 1,125.04 per ounce
23 Nov: USD 1,213.25, GBP 980.00 & EUR 1,143.00 per ounce
22 Nov: USD 1,217.55, GBP 978.91 & EUR 1,144.98 per ounce

Silver Prices (LBMA)

30 Nov: USD 16.67, GBP 13.39 & EUR 15.66 per ounce
29 Nov: USD 16.54, GBP 13.26 & EUR 15.61 per ounce
28 Nov: USD 16.68, GBP 13.45 & EUR 15.73 per ounce
25 Nov: USD 16.47, GBP 13.21 & EUR 15.55 per ounce
24 Nov: USD 16.31, GBP 13.09 & EUR 15.43 per ounce
23 Nov: USD 16.56, GBP 13.36 & EUR 15.59 per ounce
22 Nov: USD 16.76, GBP 13.46 & EUR 15.77 per ounce


Recent Market Updates

– Peak Silver – Supply Deficits Mean Higher Prices
– Bail In Risk – €4 Trillion Banking System In Italy Poses Contagion Risk as Referendum Looms
– Gold Down 13.5% In 13 Days – Trump Bearish For Gold?
– War On Cash Just Got Real – India and Citibank In Australia
– Russia Gold Buying In October Is Biggest Monthly Allocation Since 1998
– Stocks, Bonds, Pension Funds “Will Be Wiped Out…” – Rickards
– Physical Gold Is A “Long-Term Position” as “Hedge Against Governments”
– Gold Sell Off On Fed Noise – “Interesting Times” To “Support Gold”
– Islamic Gold – Vital New Dynamic In Physical Gold Market
– Peak Gold Globally – “Bullish For Gold”
– Gold Price Should Go Higher On Global Risks and Trump – Capital Economics
– President Trump – Why Market Loves Him and Experts Wrong
– ‘Helicopter Money President’ Trump To Create Inflation and Gold Will Rise

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This Short Squeeze in the Oil Market Could Go On For Days! (Video)

By EconMatters


OPEC did such a good job of putting many oil traders on the wrong side of the market for the last month, this short squeeze could go for a while. There is a lot of money positioned in the oil market for the deal not getting done!

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Saudis Said To Take “Big Hit” On Output As OPEC “Close” To Condition Deal Involving Russia

Oil continued to rise higher, now over 7% sending Brent above $50 for the first time since October, after Saudi Energy Minister Khalid al-Falih said on Wednesday OPEC was close to clinching a deal to limit oil output, adding Riyadh was prepared to accept “a big hit” on its own production and agree to arch-rival Iran freezing output at pre-sanctions levels. The comments was interpreted as a compromise by the Saudis who in recent weeks insisted that Iran fully participate in any cut.

OPEC was said to be “close” to reaching a deal to cut supply by 1.4 mmbpd, assisted by a 600kbpd cut coming from non-OPEC nations. However, as Reuters adds, if such a deal is agreed it would be conditional on non-OPEC involvement as OPEC would need non-OPEC members, such as Russia to agree to the 600kbpd and may require another meeting as early as December.

This may be problematic as according to a Bloomberg headline blast, Russia would be willing to consider a 200kbpd cut if there is an OPEC deal, less than the 400kbpd number floated earlier by an OPEC “source”, suggesting that any subsequent meeting may once again prove “problematic.”

Furthermore, assuming OPEC does agree to a 1.4mmbpd production cut, it is still unclear how it will be achieved and if indeed, the Saudis will be forced the bulk of the production cut.

While the details so far remain unclear, Falih also said that OPEC was focusing on reducing output to a ceiling of 32.5 million barrels per day, or cutting by more than 1 million bpd, and hoped Russia and other non-OPEC members would contribute a cut of another 0.6 million bpd.

“It will mean that we (Saudi) take a big cut and a big hit from our current production and from our forecast for 2017. So we will not do it unless we make sure that there is consensus and an agreement to meet all of the principles,” Falih said.

Hedging in case no deal were to emerge, the Saudi said that even if OPEC failed to reach a deal, the market would slowly recover: “We believe that non-OPEC growth has reversed and also most of the OPEC growth we’ve seen is already behind us,” he told reporters. “If we can’t come to an agreement, then the other scenario of rolling over and waiting for the market to recover on its own is not a bad outcome.”

As previously reported, yesterday Iran wrote to OPEC saying it wanted Saudi Arabia to cut production by as much as 1 million bpd, more than Riyadh was willing to offer. However the tone changed on Wednesday. “I’m optimistic,” said Iranian Oil Minister Bijan Zanganeh, adding there had been no request for Iran to cut output. He also said Russia was ready to reduce output.

“Moscow have agreed to reduce their production and cut after our decision,” Zanganeh said, although even that statement remains in question as it is unclear just how much Russia would cut with Iran floating a number of 400kbps, which has since been reduced to 200kbpd by the Russian energy minister.

A likely outcome, then, is that OPEC will announce a 1.4mmpd conditional cut, and will also announce a subsequent meeting when a pledge to cut by Russia will also have to be ratified. Meanwhile, US shale companies are already preparing to pump more courtesy of today’s oil surge even as global demand – most notably out of China – continues to decline.

Finally, there is the question of deal compliance and just who within OPEC will monitor the other members to keep within the agreed upon production quotas: considering everyone in the cartel has a conflict of interest to keep prices as high as possible by representing as low an output as possible, this too will be, well, problematic.

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Trump Says He Will Be “Leaving My Great Business In Total” To Focus On Running The Country

In keeping with the recent tradition of making major announcements on Twitter early in the morning, President-elect Donald Trump said early Wednesday that he will announce in December that is leaving his business “in total” to “fully focus on running the country.”

The announcement is in response to recent media reports that running Trump’s businesses presents a major conflict of interest should he continue to do so as president.

An event is planned for Dec. 15 in New York, he tweeted.

Trump said that while he is not mandated to hand off the business, he feels it is “visually important, as President, to in no way have a conflict of interest” with his businesses.

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Global Stocks, US Futures And Yields, Rise As Oil Soars On OPEC Deal Optimism

European, Asian stocks rise as do S&P futures as OPEC ministers gathering in Vienna appeared to be set to announce a deal to cut oil production and prop up global prices. Oil has surged over 7% as a result, also pushing US TSY yields and the dollar higher.

With all eyes on Vienna, where optimism OPEC ministers will salvage a deal to cut production, oil has soared by over 6% reverberating through the financial markets, spurring oil’s biggest gain in two weeks and sending stocks of energy producers and currencies of commodity-exporting nations higher.

Crude bounced off a two-week low as Iranian Oil Minister Bijan Namdar Zangeneh said producers will reach an agreement without his country freezing production. Russia’s ruble, Norway’s krone and Mexico’s peso advanced as oil companies led European stocks higher for the second day. Royal Bank of Scotland Group Plc slipped 4 percent after failing the Bank of England’s toughest-ever stress test.

While some are skeptical, such as Stuart Samuels, a London-based sales trader at Oppenheimer Europe, who spoke to Bloomberg saying that “oil prices are driving today’s gains — anything other than a production cut and we’ll head south. Markets tracking the move in crude near-term is causing some volatility. I’d be inclined to take some profits,” so far the algos are in charge forcing a furious squeeze.

As Reuters summarizes, combined with fresh concern about China’s banking system, a stress test for British banks and a raft of euro zone data, the OPEC meeting topped off a wild November for financial markets that has been dominated by Donald Trump’s victory in the U.S. presidential election.

European stocks were lifted by a jump in oil companies amid the OPEC talk, although banks struggled as Royal Bank of Scotland failed a Bank of England stress test and Italian lenders fell before a referendum on the country’s political system on Sunday.  The Stoxx Europe 600 Index rose 0.1 percent, keeping it on track for its best month in four.  Shares of oil producers headed for a one-month high, bouncing back from a three-day slide. BP, Shell and Eni SpA climbed at least 2.5 percent. Linde AG led chemical companies higher in Europe, gaining 6.6 percent after saying it’s reviewing a revised merger proposal from Praxair Inc. Royal Bank of Scotland declined as much as 5 percent in London trading, reaching its lowest since Nov. 9.

Worries about China’s financial sector had also spread in Asia overnight. Shanghai stocks fell about 1 percent amid concern about government moves to stem capital flight and halt the recent sharp fall in the yuan.

“The stress could continue for a while,” said Gu Weiyong, chief investment officer at hedge fund Ucom Investment Co. “Whether the situation gets better depends on the willingness of the central bank to inject more liquidity into the system.”

Emerging stocks rose marginally but were headed for their biggest monthly fall since January. Currencies hit by the latest onslaught from the dollar were also set to close November with hefty losses.  The Turkish lira and Mexican peso have lost around 8 to 9 percent versus the dollar for their biggest monthly declines since 2008 and 2012 respectively.

The dollar advanced 0.7 percent to 113.12 yen. The greenback has climbed 7.9 percent against its Japanese peer since Oct. 31, headed for its biggest gain since February 2009. Bloomberg’s dollar gauge advanced 0.1 percent, pushing its gain this month to 3.5 percent, the most since May.

“Dollar strength has mainly been driven by expectations, so these can only carry you so far,” Commerzbank currency strategist Esther Reichelt said. “In the end we want to see some facts to show these changed expectations are justified.”

Treasury 10-year yields rose four basis points to 2.33 percent, up from 1.83 percent on Oct. 31. The yield is on course of the biggest monthly since December 2009. German bund yields declined one basis point to 0.21 percent

* * *

Market Snapshot

  • S&P 500 futures up 0.2% to 2208
  • Stoxx 600 up 0.2% to 341
  • FTSE 100 up 0.6% to 6812
  • DAX up 0.2% to 10645
  • German 10Yr yield down 1bp to 0.21%
  • Italian 10Yr yield down less than 1bp to 1.94%
  • Spanish 10Yr yield up less than 1bp to 1.51%
  • S&P GSCI Index up 3.2% to 371.6
  • MSCI Asia Pacific up less than 0.1% to 136
  • Nikkei 225 up less than 0.1% to 18308
  • Hang Seng up 0.2% to 22790
  • Shanghai Composite down 1% to 3250
  • S&P/ASX 200 down 0.3% to 5440
  • US 10-yr yield up 4bps to 2.33%
  • Dollar Index up 0.21% to 101.14
  • WTI Crude futures up 7.4% to $48.51
  • Brent Futures up 6.5% to $49.40
  • Gold spot down less than 0.1% to $1,187
  • Silver spot up 0.2% to $16.66

Top Headline News

  • OPEC Ministers Say a Deal Is Close as Meeting on Oil Cuts Begins: Iran Oil Minister Zanganeh says OPEC to reach an agreement
  • Linde Says It’s Reviewing New Merger Proposal From Praxair: Combination would create largest supplier of industrial gases
  • RBS Fails Toughest-Ever BOE Stress Test, Boosts Capital Plan: RBS says intends to cut costs and reduce risk-weighted assets
  • Mnuchin Said to Be Trump’s Treasury Pick as Economic Team Forms: Billionaire investor Wilbur Ross said to be Commerce choice
  • Negotiators Said to Agree on $611.2 Billion Defense Bill: Measure strips military draft requirement for young women
  • Weatherford Curbs U.S. Fracking Business as Low Prices Persist: Baker Hughes says it’s forming a new fracking joint venture
  • Trump Notches a Win as Carrier Agrees to Keep 1,000 Jobs in U.S.: Announcement said to be set for Thursday at Indiana factory

* * *

Looking at regional markets, Asian stocks failed to capitalize on the impetus from a positive lead from Wall St and traded mixed ahead of the looming OPEC showdown and on month-end rebalancing. Nikkei 225 (+0.1%) was flat as recent JPY softness stemmed downside in the index, while ASX 200 (-0.3%) was led lower by energy and mining after WTI crude futures and iron ore prices both declined around 4%. KOSPI was kept afloat by record highs in index heavyweight Samsung Electronics, while Chinese markets were mixed with the Shanghai Comp (-1.0%) the laggard amid 8% declines in Dalian iron ore prices attributed to profit taking, tech selling and liquidity concerns which saw money market rates surge, while the Hang Seng (+0.2%) was underpinned by property names after Evergrande boosted its stake in China’s largest residential property developer Vanke. 10yr JGBs were marginally lower with underperformance in the short-end on month-end flows and profit-taking following strength in the wake of yesterday’s 2-year auction results. Chinese money market rates increased with China’s 14-Day Repo surging to 20-month highs and the 6-month HIBOR advancing to the highest since May 2009 amid continued liquidity concerns, while today’s liquidity operations by the PBoC resulted into a net drain for the 4th day after taking into consideration prior maturing reverse repos.

Top Asian News

  • Asian Bond Rout Has Analysts Struggling to Keep Pace With Yields: Global funds withdrew $7.8b from emerging Asia bonds
  • Dangers Flagged by Jump in Riskiest China Banks’ Fund Costs: AA+ certificate of deposit rates jump 35 bps to 3.50%
  • Mitsui Fudosan Is World’s First Developer to Sell 0.001% Bonds: Japanese firm forecasting record profit this fiscal year
  • Western Australia to Sell 51% of Distributor Western Power: Govt plans to use proceeds to reduce debt by A$8b
  • Racy Photos Prompt Alipay Apology as Social-Media Push Backfires: Racy Photos Prompt Alipay Apology as Social-Media Push Backfires

European equity markets trade higher this morning (Euro Stoxx 50: +0.4%) lifted by energy names in the wake of the apparent OPEC deal to cut production. Elsewhere, in the latest Bank of England stress tests, RBS failed and stated they will submit a new capital plan to rectify the situation, subsequently this saw shares falling 3.6% at the open. Barclays and Standard Chartered both passed but reports suggest they require more capital. In other news Linde shares rose 6% at the open following reports that the Co. have renewed talks with Praxair over a potential merger of equals. Fixed income markets have seen Bunds trade higher throughout the morning, however with the Dec’16 future finding resistance ahead of the 162.00 level to fall lower by mid European morning in tandem with the OPEC inspired risk on sentiment.

Top European News

  • Carney Returns Draghi’s Brexit Warning With One of His Own: Says U.K. is ‘effectively the investment banker for Europe’
  • Euro-Area Inflation Accelerates Before Key ECB Decision on QE: Consumer prices rise 0.6%, core inflation unchanged at 0.8%
  • Only Skilled Should Get U.K. Work Visas Post-Brexit, Report Says: Refusing permits to unskilled workers would reduce the net inflow of migrants from the EU by about 100,000 people a year, Migration Watch U.K. says

In currencies, the dollar advanced 0.7 percent to 113.12 yen. The greenback has climbed 7.9 percent against its Japanese peer since Oct. 31, headed for its biggest gain since February 2009. Bloomberg’s dollar gauge advanced 0.1 percent, pushing its gain this month to 3.5 percent, the most since May. Private payrolls increased by 170,000 this month, after 147,000 gain in October, data from the ADP Research Institute in Roseland, New Jersey, will show Wednesday, according to a Bloomberg survey of economists. Russia’s ruble gained 0.9 percent versus its U.S. counterpart, the biggest increase among 31 major currencies tracked by Bloomberg. Norway’s krone was the next best with a 0.6 percent appreciation while the Mexican peso rose 0.3 percent.

In commodities, WTI crude futures added over 6% percent, clawing back all of Tuesday’s 3.9 percent tumble. Iran’s oil minister said there were acceptable proposals on the table, but his country would not countenance a freeze or cut based on current levels. Saudi Arabia has said it is ready to reject an agreement unless all OPEC members — excluding Libya and Nigeria — take part, people familiar with the kingdom’s position said. Base metals rebounded in London, with zinc climbing 1.5 percent and copper up 0.5 percent. The London Metal Exchange Index tumbled 3.4 percent on Tuesday, its biggest one-day retreat in more than a year. Gold for immediate delivery was little changed at 1,188.74 an ounce; it’s down 6.9 percent since Oct. 31, poised for its worst month since June 2013.

On the packed US event calendar first up is the November ADP employment change print which will be closely watched ahead of payrolls, then shortly after we’ll get the October personal income and spending data, as well as the Fed’s favoured inflation measures – the PCE core and deflator readings. The other data due out today includes the Chicago PMI for this month and October pending home sales data. Later today the Fed will release its latest Beige Book. Away from the data, the Fedspeak today consists of Kaplan, Powell and Mester. ECB President Draghi is also scheduled to speak at 12.45pm GMT in Madrid.

US Event Calendar

  • 7am: MBA Mortgage Applications, Nov. 25 (prior 5.5%)
  • 7:30am: ECB’s Draghi speaks in Madrid
  • 8:00am: Fed’s Kaplan speaks in New York
  • 8:15am: ADP Employment Change, Nov., est. 170k (prior 147k)
  • 8:30am: Personal Income, Oct., est. 0.4% (prior 0.3%)
  • 9:45am: Chicago Purchasing Manager, Nov., est. 52.5 (prior 50.6)
  • 10am: Pending Home Sales m/m, Oct., est. 0.1% (prior 1.5%)
  • 10:30am: DOE Energy Inventories
  • 12:35pm: Fed’s Mester speaks in Pittsburgh
  • 2pm: Federal Reserve issues Beige Book

DB’s Jim Reid concludes the overnight wrap

Today’s cinematic experience will be about ‘Finding OPEC’ as the long awaited Vienna summit arrives today. If we’re to get a positive outcome then it appears that it’ll take one of either Saudi Arabia or Iran to soften their stance with both seemingly at loggerheads with each other. According to the WSJ Saudi Arabia is prepared to reject an agreement unless the cartel gets cooperation from all members with the exception of Libya and Nigeria. Another newswire suggests that Iraq has agreed to participate in a freeze, but not an outright cut in production. So plenty of posturing. WTI was down -3.93% yesterday and back below $46/bbl and its hovering around that level this morning. That follows a gain of +2.21% on Monday and a similar decline on Friday. In reality it’s traded in a $5 range for most of this month. On the timing front for today the tentative programme on the OPEC website this morning suggests that the closed session will begin at 11am GMT, while a press conference is scheduled for 3pm GMT. One would imagine that discussions will run for as long as it takes though.

So while that move for Oil yesterday kept the energy sector under pressure, market nerves around Italy seemed to reverse yesterday on press speculation that the ECB could temporarily step up purchases of BTP’s should Sunday’s result cause yields to spike. The suggestion in the Reuters report was that the ECB QE programme was flexible enough to allow for a temporary increase in purchases and that undertaking such a move would not necessarily need to be ‘rubber-stamped’ by the Governing Council, which as a reminder meets formally 4 days after. The article feels a bit vague at this stage and also has a case of easier said than done about it given the potential political ramifications.

That said the story was a big boost to Italian assets yesterday. The FTSE MIB rebounded +2.13% for its strongest day in over 3 weeks, easily outperforming the likes of the Stoxx 600 (+0.33%) and the DAX (+0.36%). 10y BTP yields closed down 12.4bps at 1.941% and had their strongest day since March with strong demand for the 5y and 10y BTP auctions also helping. Bunds on the other hand finished up a couple of basis points at 0.217%. Credit also had a decent day with the iTraxx Main finishing 2.5bps tighter and Senior and Sub-Fin indices 4.5bps and 7bps tighter respectively.

Across the pond equity markets in the US strengthened for much of the session and despite a bit of drag into the close the S&P 500 (+0.13%), Dow (+0.12%) and Nasdaq (+0.21%) still edged higher, although the small-cap Russell 2000 (-0.12%) was lower for a second day in a row. 10y Treasury yields peaked at 2.348% before ending the day just over 2bps lower at 2.292% with the volatility blamed on a bit of account rebalancing into month end. The Fed’s Powell spoke but maintained his hawkish line saying that the Fed is ‘reasonably close’ to achieving full employment and that the case for tightening has ‘clearly strengthened’.

That peak for Treasury yields yesterday came just after the second reading for Q3 GDP in the US. Growth was revised up from 2.9% qoq annualized to 3.2% and a bit more than expected. The driver appeared to be the decent upward revision to consumer spending which was taken up to +2.8% from +2.1%. That more than offset soft business investment. Encouragingly, the first estimate of corporate profits for Q3 reported a +6.6% qoq annualized gain which is the highest since Q2 2014. That reading means that the YoY rate has now turned positive again at +2.8% versus -4.3% in the prior quarter. It’s the first time that profits have turned positive since Q1 2015.

Refreshing our screens this morning it’s once again been a broadly mixed start in Asia with bourses largely directionless ahead of the OPEC meeting. Moves have been pretty modest though. The Nikkei is unchanged while the Kospi (+0.07%) and Hang Seng (+0.17%) have edged modestly higher. The ASX (- 0.45)% is lower while the Shanghai Comp is down a sharper -0.96% perhaps reflecting a drop in China’s consumer sentiment for this month to 114.9 from 117.1 last month. There was also some data in the UK overnight with the November consumer confidence print reported as falling 5pts to -8, albeit still above the post Brexit low of -12 in July. The other news to highlight this morning concerns the latest Trump cabinet appointment. US media outlets are reporting that Steven Mnuchin has been appointed as Trump’s Treasury secretary. Bloomberg is suggesting that Trump is to continue auditions for the secretary of state role today.

Wrapping up the rest of the data yesterday. Along with that positive GDP print, the other notable data in the US yesterday was the Conference Board’s consumer confidence index which was reported as rising a bumper 6.3pts this month to 107.1 (vs. 101.5 expected) and the highest in nine years. The present conditions index in particular surged to the highest since July 2007 while a measure of consumer expectations for the next six months is now at the highest since June 2015.

It was a reasonably heavy day for data in Europe too yesterday. There were no surprises from Germany’s CPI report for this month with the flash print coming in at +0.1% mom as expected. The European  Commission reported a modest 0.1pt increase in its economic sentiment reading for this month to 106. In France Q3 GDP came in bang on consensus at +0.2% qoq and +1.1 yoy. Finally in the UK there was positive news to come from the October consumer spending stats. Household credit growth was said to have risen to +10.5% yoy from +10.4% while mortgage approvals rose about 6% and more than
expected to 67.5k.

Staying in Europe and just before we look at the day ahead, it’s worth highlighting an updated report by our European economists looking ahead to this Sunday’s re-run of the Austrian Presidential Election. Our colleagues note that the race is neck and neck with current polls pointing to a close race although with the latest poll slightly favouring independent candidate Van der Bellen over right-wing populist candidate Hofer by 51% to 49%. Clearly though, as recent events have taught us, polls should be interpreted with a decent degree of caution. The report highlights that each candidate’s position and interpretation of the presidential office is fundamentally different. Hofer is a critic of the EU, advocates a strict asylum policy and intends to be an “active president”. Van der Bellen endorses the EU and is clearly opposed to an Oxit, but has a similarly strict view on refugees, supporting an asylum cap. He does not intend to be an overly active president and again and again criticizes Hofer for misinterpreting the office. In the final stage of their election campaigns both candidates are trying to drum up support from centre-right voter’s, undecided and traditional non-voters’. They go on to say that a Van der Bellen victory would take away near-term political uncertainty. If Hofer wins an immediate political shock seems unlikely, but political uncertainty would increase. Hofer has speculated about early parliamentary elections in 2017.

To the day ahead now. This morning in Europe the early data is out of Germany where the latest retail sales data is due. Following that we’ll get CPI in France, unemployment data in Germany and then the CPI print for the Euro area for this month. Also out this morning is the BoE’s semi-annual Financial Stability Report, with Governor Carney scheduled to hold a press conference after the documents are released. Meanwhile it’s a fairly packed calendar this afternoon in the US. First up is the November ADP employment change print which will be closely watched ahead of payrolls, then shortly after we’ll get the October personal income and spending data, as well as the Fed’s favoured inflation measures – the PCE core and deflator readings. The other data due out today includes the Chicago PMI for this month and October pending home sales data. Later today the Fed will release its latest Beige Book. Away from the data, the Fedspeak today consists of Kaplan at 1pm GMT, Powell at 4.45pm GMT and Mester at 5.35pm GMT. ECB President Draghi is also scheduled to speak at 12.45pm GMT in Madrid. The main focus today however will highly likely be on the outcome of the aforementioned OPEC meeting in Vienna.

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On His Way Out the Door, Obama Suggests Marijuana Should Be Legal

In a new interview with Rolling Stone, President Obama comes as close as he ever has to endorsing marijuana legalization, saying, “I am not somebody who believes that legalization is a panacea. But I do believe that treating this as a public-health issue, the same way we do with cigarettes or alcohol, is the much smarter way to deal with it.”

Tobacco and alcohol, of course, are not prohibited by state or federal law, so the implication is that marijuana shouldn’t be either. But Obama apparently is waiting until he leaves office to say so explicitly:

I will have the opportunity as a private citizen to describe where I think we need to go. But in light of these referenda passing, including in California, I’ve already said…that it is untenable over the long term for the Justice Department or the DEA to be enforcing a patchwork of laws, where something that’s legal in one state could get you a 20-year prison sentence in another. So this is a debate that is now ripe, much in the same way that we ended up making progress on same-sex marriage. There’s something to this whole states being laboratories of democracy and an evolutionary approach. You now have about a fifth of the country where this is legal.

It sounds like Obama plans to push marijuana reform “as a private citizen.” It’s too bad he did not do more to advance the debate as president.

To his credit, Obama has declined to interfere with legalization, saying “it’s important” that states be free to try a different approach. He has conceded that marijuana is less hazardous than alcohol, to the consternation of old-timey drug warriors like the man Donald Trump has chosen to be his attorney general. Last year Obama even allowed that “if enough states end up decriminalizing, Congress may then reschedule marijuana”—a step he described as “progress.” But he has resolutely refused to encourage such progress through administrative rescheduling or by urging Congress to accommodate state marijuana laws.

Legislation making the national ban on marijuana inapplicable in states that have legalized it, as Rep. Dana Rohrabacher (R-Calif.) has proposed, would remove the threat of prosecution and forfeiture that hangs over state-licensed cannabis suppliers, give them unimpeded access to banking, and allow them to take the same tax deductions as any other business. Such legislation has the potential to attract support on the right as well as the left because it embodies the federalism that Republicans claim to revere. While Obama’s endorsement would not have guaranteed passage, it would have elevated the issue, encouraged conservative constitutionalists to take a position, and left the cause of marijuana federalism in better shape to prevail under a new president who claims to support it but has chosen an attorney general who is dismayed by the ongoing collapse of pot prohibition.

In Obama’s view, he has done all that could reasonably have been expected. When Rolling Stone publisher Jann Wenner asks why he did not take a stronger position on marijuana legalization, Obama implies that it was not politically feasible:

One of the things that I think it’s important for progressives to do when we’re in a reflective mode after an election like this is, we can’t have it both ways. We can’t say, “Why aren’t you reaching out to the folks who voted against us? And by the way, why aren’t you maximizing getting 100 percent for the things that those of us, you know, who are already progressive and living on the coasts think should be done right away?” The point is that politics in a big, diverse country like this requires us to move the ball forward not in one long Hail Mary to the end zone, but to, you know, systemically make progress.

It is weird to portray marijuana reform as a cause that only “progressives” support when most Americans—60 percent, according to the latest Gallup poll—think marijuana should be legal and an even larger majority—including 70 percent of Republicans, according to a recent CBS News survey—think state decisions to legalize should be respected. Far from a polarizing issue, marijuana federalism has bipartisan support and the potential to unite voters and politicians who agree on little else. Obama could have taken advantage of that agreement to promote an alternative to a situation he describes as “untenable.” But although he eventually stopped laughing at questions about marijuana reform, it was never a priority for him.

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