Abrigo

JANUARY 30, 2024

This year’s conference will feature industry experts, financial institution peers, BSA/AML professionals, CPAs, law enforcement, auditors, and regulators selected especially for their expertise and timely knowledge. Network with bankers, auditors, and regulators Networking has always been table stakes to ThinkBIG conference attendees.

Conference 195

Conference Arizona Phoenix Fraud 195

PYMNTS

APRIL 17, 2018

Interest rates plummeted as the Fed held the federal funds rate at zero in the hopes of stimulating lending in an environment where credit went from dangerously free-flowing to dangerously non-existent in the span of a few months. The New Subprime Lending Path. Citigroup’s auto lending unit has been nearly entirely sold off.

Lending 137

Lending Examples America Metro 137

Independent Banker

NOVEMBER 30, 2021

State Bank of Texas, led by president Sushil Patel (center), has a niche working with hospitality customers like Reena and Arun Patel, who own and operate a La Quinta hotel in Dallas. Between the [Trump] administration and Congress and the regulators, they did a terrific job of allowing banks to work with their borrowers,” says Jeff W.

Community Bank 209

Community Bank Community Texas Dallas 209

Abrigo

FEBRUARY 23, 2023

In such an environment, community banks should focus on the power of their relationships with customers, according to Kent Kirby, a retired banker with 39 years of experience in all aspects of commercial banking; lending, loan review, back-room operations, portfolio management, portfolio analytics, and credit policy.

Community Bank 195

Community Bank Kansas City Community Lending 195

Abrigo

DECEMBER 2, 2021

In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them. Learn how to satisfy regulators and yield more useful information in this whitepaper, "Effective Loan Review". Lending & Credit Risk. Consumer Lending. Lending & Credit Risk.

Conference 195

Conference San Antonio Lending Fraud 195

PYMNTS

SEPTEMBER 17, 2019

While short-term lending in general has a pretty rough reputation, the pawn loan is the most ill-regarded arena in an already unloved category of consumer lending. The loan amount a borrower can get from a pawnbroker is determined solely by the value of the item itself; as in most forms of short-term lending, there is no credit check.

Ohio 151

Ohio Lending Iowa South Dakota 151

CFPB Monitor

NOVEMBER 3, 2014

Klein The Federal Reserve Board indicated it is scrutinizing mortgage loan pricing models that comply with Regulation Z but nonetheless, in the view of the Board, significantly increase fair lending risk. We wrote about the case, Texas Department of Housing and Community Affairs v. The Inclusive Communities Project, Inc.

Lending 90

Lending Community Regulation Texas 90

PYMNTS

FEBRUARY 15, 2018

Through the Conference of State Bank Supervisors, Georgia, Illinois, Kansas, Massachusetts, Texas, Tennessee and Washington are looking to standardize the ways firms across traditional financial services and FinTech upstarts apply for, and are granted, licenses. Can the states make licensing – of the money movement kind – any easier?

Washington 101

Washington Regulation Conference Fintech 101

Independent Banker

JUNE 30, 2022

Effects of the pandemic and other factors creating unpredictability have changed how community banks approach their credit and lending operations. Understanding the impact of a rising rate environment on a concentrated portion of your lending portfolio is critical.”. It also makes a good impression on regulators.

Management 103

Management Community Bank Community Regulation 103

Bank Innovation

NOVEMBER 21, 2016

The Financial CHOICE Act, proposed by Texas Congressman Jeb Hensarling earlier this year, is a measure aimed at overturning or heavily modifying many of the regulations put in place after the 2008 financial crisis. The act has recently fallen under scrutiny from Wall Street as the president-elect championed a lessening of Read More.

Texas 150

Texas Fintech Regulation Management 150

Abrigo

MARCH 20, 2015

For the largest of American financial institutions – those that much of the public banks with for checking, mortgages and auto loans – stress testing regulations have been passed and executed to avoid a repeat of 2008. with the lowest Texas Ratios. In the last several years following the Great Recession, the health of banks in the U.S.

Texas 150

Texas Regional California Community Bank 150

PYMNTS

SEPTEMBER 26, 2019

Favorable Regulations. One of the largest opportunities is in small business lending. According to Biz2Credit CEO Rohit Arora, regulations capping credit union lending activity at 12.25 Velocity Credit Union, based in Texas, is one industry player that recently invested in technology to enhance offerings for SMBs.

Lending 108

Lending Community Bank Community Fintech 108

PYMNTS

AUGUST 19, 2019

The summary, according to the site, would direct the FCC to develop new regulations that would detail how the law may protect social media platforms as they move to take content off their sites – and to take those new regulations into account when investigating or filing suit against those firms. CFPB and Payday Lending.

social media 128

social media Regulation Lending Compliance 128

PYMNTS

FEBRUARY 17, 2020

The punchline isn’t all that funny, actually, as 21st century college lending remains mired in paper checks and legacy disbursement systems. Between regulations, the cost of upgrading systems and a university network that is oddly averse to change (at least when it comes to money), paper tuition checks will continue to flow through the U.S.

Arkansas 167

Arkansas Ohio Texas Regulation 167

Independent Banker

MARCH 31, 2022

When the 2022/23 ICBA board of directors was introduced at ICBA LIVE in San Antonio, Texas, there was a palpable sense of excitement in the air. Lucas White: We need to continue to differentiate community banks and educate policymakers on why tiered and proportionate regulation is necessary. By Molly Bennett.

Community Bank 239

Community Bank Community Industry Texas 239

Abrigo

DECEMBER 20, 2021

Whether that is the case or not, the reprieve is now over. On December 16, 2021, FinCEN announced an $8 million civil money penalty against CommunityBank of Texas (CBOT) for willful Bank Secrecy Act (BSA) violations and failing to maintain an effective anti-money laundering (AML) program. CommunityBank of Texas' citations.

Resources 195

Resources Texas Analysis System 195

Independent Banker

MAY 31, 2022

One bank with a strong, comprehensive and effective handle on it is $4 billion-asset Texas Bank and Trust Company in Longview, Texas. “We We would then assemble the incident response team, contact regulators and law enforcement and notify any customers who may have been exposed,” says Wyatt. “We Cybercrime could cost $10.5

Community Bank 134

Community Bank Community Fraud Texas 134

CFPB Monitor

JULY 1, 2020

Second , a principal argument made by the payday lending industry in its Texas federal court lawsuit challenging the CFPB’s Rule on Payday, Vehicle Title, and Certain High-Cost Installment Loans has now been conclusively established.

Course 148

Course Texas Lending Regulation 148

CFPB Monitor

AUGUST 7, 2019

In its press release, the DFS claims that the investigation will look into “allegations of unlawful online lending” and “will help determine whether these payroll advance practices are usurious and harming consumers.” Illinois Department of Financial Professional Regulation. Maryland Office of the Commissioner for Financial Regulation.

Industry 92

Industry Puerto Rico South Dakota North Dakota 92

PYMNTS

SEPTEMBER 9, 2019

As has been reported, more than 30 state attorneys general are looking at the company through a bipartisan effort that is being spearheaded by Texas, and the official probe could be announced as early as today (Monday, Sept. We certainly would not want to regulate technology the same way we regulate municipal water.”.

Rhode Island 189

Rhode Island District of Columbia Google North Carolina 189

Abrigo

JULY 1, 2022

Refugees can easily fall victim to someone lending a helping hand, their exhaustion contributing to their eagerness to trust those who might help. BSA Rules and Regulation. Millions of people are desperate to keep themselves and their loved ones safe from war and need necessities for survival, food and shelter. Learn more. Learn More.

Training 195

Training Fraud National Exercises 195

Jeff For Banks

MARCH 29, 2014

To exemplify, here are three Texas bank''s "Business" and "Business Strategy" sections to their most recently filed 10k. I picked Texas because of their perceived independent streak. Lending services include commercial loans to small to medium-sized businesses and professional concerns as well as consumers. Independent?

Strategy 100

Strategy Texas San Antonio Fort Worth 100

Independent Banker

AUGUST 31, 2021

A bank needs a team with diverse perspectives and unique abilities—technology, sales, lending and leadership—that is willing to work together at a heightened pace, he notes. Build a lending niche. Another bank with an emphasis on ag is $870 million-asset Peoples Bank in Lubbock, Texas. Tim Reimink, Crowe LLP.

Community Bank 170

Community Bank Community Lending Leadership 170

CFPB Monitor

OCTOBER 27, 2022

Earlier that same month, the CFPB announced it would exercise its supervisory authority under the Consumer Financial Protection Act to scrutinize discriminatory conduct as an unfair practice independent of federal fair lending laws. which is being challenged in court by the U.S. which is being challenged in court by the U.S.

Groups 78

Groups Exercises Lending Policies 78

Abrigo

JANUARY 28, 2016

trillion in assets and thousands of employees) or tiny Oakwood State Bank in Texas (with $6.5 It is needed for lending out to customers, and regulators require certain levels of capital, so it is truly the lifeblood of a bank,” Brown says. Whether it is Wells Fargo (with $1.6

Capital 150

Capital Texas Risk Management Management 150

CFPB Monitor

JUNE 20, 2022

To date, CFPB enforcement actions have raised “rent-a-charter” challenges only in the context of tribal lending, most notably in its enforcement action against CashCall. The CFPB’s lawsuit broke new ground by asserting UDAAP violations based on CashCall’s efforts to collect loans that were purportedly void in whole or in part under state law.

FDIC 78

FDIC California Texas Fintech 78

PYMNTS

MAY 19, 2016

But here’s a thought: With the recent exits of Uber and Lyft from Austin, Texas, one wonders if some of the clashes that are setting up between tech upstarts and the industries they displace (such as, in his case, taxis) over regulations may presage some caution on the part of investors going forward.

Austin 101

Austin Texas Lending Regulation 101

Independent Banker

JANUARY 31, 2019

I’ll be heading to the Wisconsin Bankers Association annual convention and the Independent Bankers Association of Texas regional meetings. I know appraisals can cause delays and increase the cost of the lending process for consumers. So, I was thrilled to see that the regulatory agencies are aiming to improve appraisal regulations.

Community Bank 70

Community Bank Wisconsin Community Texas 70

Independent Banker

JULY 31, 2022

Regulators made no bones about the fact that a number of additional rate hikes are likely to happen this year. As a former Texas banking commissioner, she emphasizes the importance of internal loan reviews and audits and urges bankers to train tellers with care. Play the long game. We’re in the risk business.

Strategy 135

Strategy Community Bank Louisville Community 135

Independent Banker

SEPTEMBER 26, 2014

That is why we are calling on regulators to make the most of the latest mandatory review of federal banking rules. The agencies are required to study their regulations for dead weight every 10 years under the Economic Growth and Regulatory Paperwork Reduction Act of 1996. Starting fresh. Community Bankers Chosen as CFPB Advisors.

Washington 70

Washington Fort Worth Regulation Community Bank 70

CFPB Monitor

JUNE 3, 2016

” In other words, “the Bureau is seeking information about certain consumer lending practices to increase the Bureau’s understanding of whether there is a need and basis for potential future efforts, including but not limited to future rulemakings, supervisory examinations, or enforcement investigations.”

Report 60

Report Lending Kansas City Kansas 60

CFPB Monitor

OCTOBER 1, 2015

He specifically noted increases in home mortgage lending, auto loan origination and new consumer credit card accounts, with consumer loan delinquencies falling to an eight-year low. Director Cordray used his introductory remarks to highlight the expansion of the marketplace for consumer credit over the last year.

Lending 60

Lending Study Missouri Denver 60

Independent Banker

JULY 29, 2016

It teaches bankers how to develop a compliance program, meet lending compliance requirements, and comply with deposit and marketing regulations. Many have been bankers themselves and sometimes industry regulators or attorneys. Consumer Lending Institute. Commercial Lending Institute. Community Banking LIVE®.

Minneapolis 70

Minneapolis Community Bank Community San Antonio 70

Gonzobanker

DECEMBER 17, 2021

million gets the vaunted consumer lender a much-prized bank charter, low-cost deposits to juice current earnings, and a business lending capability to drive future growth. Rex Johnson, Baxter Credit Union founder and former CEO – Rex was a legend in the credit union industry who will always be remembered as the “Yoda” of lending.

Fintech 143

Fintech Strategy Leadership Lending 143

PYMNTS

JUNE 21, 2019

The company pointed to a range of use cases for its technology, including vendor risk management, data protection and achieving certification for companies operating in heavily regulated industries. Targeting the freight brokerage and transportation management industry, Arrive Logistics , based in Texas, secured $25 million from investors.

Marketing 109

Marketing Capital San Francisco Management 109

Independent Banker

JULY 8, 2015

The case in question— Texas Department of Housing and Community Affairs v. The Supreme Court ruling will only intensify congressional debate over the theory, and ICBA will continue working with lawmakers to advance legislation that would ensure federal laws truly support fair and equitable mortgage lending.

Washington 70

Washington Policies Community Community Bank 70

American Banker

MARCH 31, 2020

Here’s how banks and regulators are trying to get ahead of potential problems. Weak demand for oil and gas, brought on by the economic fallout of the coronavirus outbreak, has raised concerns of energy firms missing loan payments or even going bankrupt.

Regulation 37

Regulation Payments Texas Industry 37