Celent Banking

JUNE 22, 2017

Celent published a report on the topic in 2013 that predicted a steep decline in branch density – something that is now underway. Source: FDIC, Celent analysis. In both community banks and credit unions, the trends have been modestly upward over the past several years. Source: 2017 FMSI Teller Line Study.

Study 125

Study Community Bank Trends Analysis 125

CFPB Monitor

DECEMBER 29, 2014

The proposal is intended to implement MLA amendments made by the 2013 Defense Authorization Bill. To conduct its analysis, the CFPB identified a subset of accounts belonging to servicemembers that were part of the larger dataset used for the CFPB’s 2013 white paper on payday loans and DAPs.

FDIC 68

FDIC Analysis Study Policies 68

CFPB Monitor

JULY 7, 2022

The four groups are the American Bankers Association, the Consumer Bankers, the Independent Community Bankers of America, and the U.S. Chamber of Commerce. The second letter takes aim at four other CFPB actions that the Chamber calls “imprudent and unlawful.”

Groups 145

Groups West Virginia Policies Virginia 145

CFPB Monitor

JUNE 11, 2015

The other agencies were the OCC, Fed, FDIC, NCUA and SEC. While the final standards generally track the standards proposed by the agencies in October 2013, they provide some clarifying language in response to public comments.

Regulation 60

Regulation FDIC Policies Compliance 60

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending. The OCC did an excellent analysis of the impact of this guidance in 2013. And regulators are getting anxious.

Lending 60

Lending Regulation Community Community Bank 60

Filene

OCTOBER 3, 2016

Earlier this summer, Filene released a research report that examined a systemic problem we face in this country—the lack of accessible financial service options in many low-income, urban communities. This was launched in 2013 in Summit’s high school branches. Project Teen Money.

Video 64

Video Millennials Training Resources 64

Jeff For Banks

APRIL 19, 2015

Washington has a more traditional mix of very large and community financial institutions. Utah has many Industrial Loan Companies (ILC''s), which are FDIC supervised financial institutions that can be owned by commercial firms not regulated by a federal banking agency, like a utility company.

Industry 60

Industry Montana Utah Washington 60

Independent Banker

MARCH 15, 2015

in Coldwater, Ohio, and ICBA’s incoming chairman, held fast to his community bank’s conservative lending practices. What concerned me most wasn’t that the customer was upset with me,” recalls Hartings of the homebuyers who ignored his community bank’s cautiously pragmatic approach. “I percent return on equity in 2013.

Ohio 70

Ohio Community Bank Community Lending 70

Gonzobanker

AUGUST 22, 2014

Between the end of 2010 and 2013, one new bank opened in the United States. . Mid-size banks are in the proverbial catbird seat – they can offer most of the products and sophistication of the top national banks combined with the service culture, community involvement, and local market knowledge of a smaller community bank.

Strategy 87

Strategy United States Community New York City 87

Jeff For Banks

AUGUST 22, 2014

My firm measures line of business and product profitability for dozens of community financial institutions, and hardly any of them make real money in retail investment sales, if they make any money at all. At the end of 2013, US registered investment companies managed $17.1 I think the answer comes back to attitude and execution.

Retail 89

Retail Tools Management Taxes 89

Independent Banker

SEPTEMBER 22, 2015

In June, five federal agencies (including FDIC, Office of the Comptroller of the Currency and the Federal Reserve) announced approval of a final rule that modifies regulations applying to loans secured by properties located in special flood hazard areas. There is an exception that will be key for many community banks to understand.

Regulation 70

Regulation Policies Community Bank Taxes 70

Jeff For Banks

MARCH 29, 2014

It is annual report season, meaning publicly traded financial institutions are finalizing their 2013 numbers and submitting their 10k''s to the Securities and Exchange Commission (SEC). We believe we can effectively compete as a community bank in our market area and the niche markets we serve. Department of Agriculture.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

Jeff For Banks

APRIL 14, 2022

Guardians of Prosperity: Why America Needs Big Banks 2013 John F. Inside the FDIC: Thirty Years of Bank Failures, Bailouts, and Regulatory Battles 2015 Louis D. 2013 Joshua R. The World in Depression, 1929–1939 2013 Charles P. Blinder Blinder, Alan S. Bonadio Bonadio, Felice A. Giannini: Banker of America 1994 Richard X.

America 78

America National Denver United States 78

PYMNTS

OCTOBER 11, 2017

Today’s rule release was years in the making, and it wouldn’t have been possible without the tireless effort of community and faith leaders, consumer and civil rights advocates and countless people across the country who organized and worked hard to make their voices heard,” said Michael Calhoun, president of the Center for Responsible Lending.

Lending 109

Lending Regulation Guidelines FDIC 109