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The pro-cyclicality of capital ratios and credit supply, a tale of two sizes

BankUnderground

The aim of having a long time series is to have a sample that covers at least a big portion of a credit cycle before the introduction of the much stricter capital requirements by Basel III standards in 2010. Although capital standards existed before 2010, they were significantly weaker. Debt securities 8762 1790.39 0 351969.60

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AltFin Shines As Investor Interest In B2B FinTech Continues

PYMNTS

Total venture capital across the global FinTech market between 2010 and 2017 hit a combined $97.7 Alternative Lending. alternative small business lending firm, that secured $900 million in 2017, while other alternative finance players, like LendingPoint and SoFi , landed significant investment rounds. ZenBusiness.

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CFPB Enters Into Consent Order With Reverser Mortgage Lender and Broker

CFPB Monitor

Nationwide claimed taking out a reverse mortgage loan “[e]liminates monthly mortgage payments” while allowing the borrower to “[s]tay in your home,” with “[l]oan proceeds [that] are tax-free.”. The CFPB noted that a consumer could lose their home to foreclosure for the nonpayment of taxes and insurance.

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Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

The old borrow short, lend long strategy. When the Taxpayer Relief Act of 1997 passed, the top capital gains tax rate was lowered, providing yet another incentive for equity speculators to pour money into the fledgling internet industry. And quite frankly, I did not know there were so many tranches to mortgage-backed securities.

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My Fantasy Banking Team

Jeff For Banks

He joined COB's board in 2009 after its $310 million recapitalization which was needed from a disastrous slew of losses incurred starting in 2008 as a result of awful credit decisions, leading to a 21% NPA/Asset ratio peak in 2010. Security Bank in Midland, Texas lends to business, period. Yeah, Chan can own my team.

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The 238 Fintech Unicorns of the 21st Century (Sep 2021)

Fintech Labs Insights

9 Sep 2021. 9 Sep 2021. Netherlands. Mar 2021 round. 9 Sep 2021. June 2021 round. August 2021 exit to Square. 9 Sep 2021. 9 Sep 2021. South Korea. Aug 2021 round. 9 Sep 2021. 9 Sep 2021. FTX Exchange. July 2021 round. Secondary market May 21. One97 (PayTM). Nov 2019 round. Checkout.com. Jan 2021 round. 9 Sep 2021. April 2021 round. Jan 2016 round.

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Surprise Outcomes Edition: Cybercrime, Student Loans And CAN Capital

PYMNTS

The experts estimate that the United States government spent millions trying to enforce it and deprived the states of billions in tax revenue — all without managing to make any significant change in American alcohol consumption. The 13-year effort to curb alcohol consumption with a universal ban was pretty much a bust.

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