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How Community Financial Institutions Can Regain the Small Business Lending Market

Abrigo

In today’s banking world, community banks are focused sharply on shareholders’ expectations for growth in earnings and return on equity. So, how can community banks support earnings and ROE growth in the face of intense regulatory scrutiny and competitive pressures on profitability? Changing Lending Environment. What's Next.

Lending 195
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Why The ICBA Is Fighting Industrial Loan Charters For FinTechs

PYMNTS

An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956. Perhaps Cole’s biggest concern is the precedent it would set if Square is successful at securing such a charter.

Industry 108
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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

And quite frankly, I did not know there were so many tranches to mortgage-backed securities. Although community banks did not lend to sub-prime borrowers in any meaningful way, did we participate? Most of the more than 500 financial institutions that failed were community banks. We took a serious reputational hit. Good times.

FDIC 78
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Fighting Digital with Digital

Independent Banker

Community banks cannot afford to ignore the staggering pace of lending adoption by both individuals and businesses using digital-only platforms from various nonbank technology-based specialty lending firms. But community banks should not be without hope, nor should they underestimate the significance of customer relationships.

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Supreme Court hears arguments over jurisdiction for constitutional challenges to FTC’s enforcement authority

CFPB Monitor

The Court also heard arguments in a similar case, Securities and Exchange Commission v. 477 (2010) (holding that a party alleging a structural separation of powers challenge to an agency need not endure the process over which an allegedly-unconstitutionally-insulated official presides before it can get judicial review). Cochran ( No.

Arizona 78
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First New Community Bank In Decades Headed To US Market

PYMNTS

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. With clearance to move forward with its plans, the community banking landscape will see its first new industry player in years. have emerged to do.

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Top 5 Total Return to Shareholders: #4 Bank of the Ozarks

Jeff For Banks

Bank of the Ozarks began in 1903 as a small community bank in Jasper, Arkansas, and by 1937, included an additional bank in Ozark, Arkansas. They acquired seven failed institutions in Georgia, Florida, and South Carolina from the FDIC, adding over $2 billion of acquired assets since March 2010.