Abrigo

FEBRUARY 2, 2015

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

Community Bank 150

Community Bank Community Regulation Survey 150

Bobsguide

FEBRUARY 12, 2020

Since the financial crisis, intraday liquidity management has become a focus for regulators. In April 2013, the Basel Committee on Banking. Pressure is mounting on smaller financial institutions not only to monitor, but to actively examine and control intraday liquidity in real-time.

Regulation 154

Regulation Management 154

PYMNTS

JUNE 10, 2016

As a general rule, most startups aren’t too happy when the regulator comes around, and it is rarely indicative of good news. And while that is bad news for a startup like Uber, as it turns out, instinctive fear of the regulator is not an endemic condition among startups.

Regulation 100

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BankUnderground

DECEMBER 8, 2021

Second, we rebase the official score to 2013 values. We find that while all four groups of banks increased their scores in parallel during the pre-treatment period (2013–14), the average scores of more and less profitable G-SIBs and non G-SIBs diverged after the treatment. First, we strip out exchange rate effects.

Regulation 82

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CFPB Monitor

FEBRUARY 10, 2022

Zywicki and Miller have co-authored a soon-to-be published study, “The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market,” in which they analyzed 15.6 million unique borrowers in 2013 to determine whether the number of loans a consumer takes in a year is a meaningful assessment of consumer welfare.

Mississippi 60

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PYMNTS

JANUARY 21, 2020

After a ruling by a location regulator that the firm wasn’t fairly engaged in competition, Uber Technologies Inc. is asking for the Colombian government to put emergency regulations into place to enable its ridesharing service to continue running.

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PYMNTS

JULY 13, 2018

trillion, and competition is rising as regulators slowly ease restrictions on banks’ corporate lending practices. The Federal Reserve issued guidance in 2013 to curb leverage in an effort to prevent a financial crisis repeat, the publication said, but regulators failed to predict the emergence of shadow lenders and non-bank players.

Marketing 100

Marketing Dallas Regulation Retail 100

CFPB Monitor

MAY 3, 2016

The CFPB has announced that it is amending the Interstate Land Sales Full Disclosure Act’s implementing regulations to allow electronic registration filings. The amendments to Regulations J and Regulation L permit developers to submit registration filings electronically in addition to the current paper filing procedure.

Regulation 60

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Perficient

AUGUST 16, 2020

However, you may not know that there are certain rules/regulations that must be accounted for so you can remain compliant with FCC regulations. If you’re unfamiliar with Kari’s law, this law was named in honor of Kari Hunt, who was attacked and killed by her estranged husband in a motel room in Marshall, Texas in 2013.

System 348

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PYMNTS

JANUARY 27, 2020

Przelozny referenced “a number of positive moves by Singaporean regulators” as part of his reasoning. Established in 2013, the Independent Reserve claims it has more than 120,000 customers and 8,000 self-managed super funds (SMSFs), a private superannuation fund operated by its members and regulated by Australian law.

blockchain 142

blockchain Mobile Bitcoin cryptocurrency 142

CFPB Monitor

MAY 2, 2022

MoneyGram) in which they allege that MoneyGram violated the Remittance Transfer Rule (Remittance Rule), other provisions of Regulation E, the CFPA, and New York Executive Law. He indicated that the CFPB is “deepening [its] law enforcement cooperation with state attorneys general and state financial regulators.”

New York 78

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PYMNTS

MAY 24, 2018

The guidance did not change any regulation, but clarified the regulator’s stance on the loans, Reuters reported. In 2013, the OCC had discouraged short-term lending by banks with limitations on what could be offered to customers depending on their credit.

FDIC 100

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PYMNTS

DECEMBER 23, 2020

The road to mainstream acceptance of cryptocurrencies will still have its bumps, its potential roadblocks set in place from regulators. At the heart of it all might lie a jousting existential in nature — namely, between the companies that create and issue cryptos and the agencies that regulate them.

cryptocurrency 234

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CFPB Monitor

OCTOBER 14, 2015

A new article by Todd Zywicki for the Mercatus Center at George Mason University urges the CFPB to consider the “unintended consequences” of new debt collection regulations and conduct a careful cost-benefit analysis before imposing such regulations. Each of these steps requires careful analysis.”

Regulation 60

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PYMNTS

NOVEMBER 15, 2019

One part of the anti-money laundering (AML) regulations is the “travel rule,” which compels exchanges to disclose identities of recipients and receivers for money transfers $3,000 or higher. “It The travel rule was first instituted in 1996, and it was expanded to apply to crypto in 2013. 15) that the U.S. billion this year.

Data 139

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PYMNTS

JUNE 9, 2017

Government regulation is at the core of what helps shape the financial system in nearly every country, and the U.S. 10 percent | Leverage ratio amount for banks to be exempt from regulation. 21 percent | Increase in purchases using deferred-interest promotions with credit cards between 2010 and 2013. is no different.

Data 100

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PYMNTS

SEPTEMBER 18, 2018

In April 2013, The WSJ reported that the anti-money laundering chief of Danske Bank asked employees in the Estonia branch about the client accounts that had been on a blacklist provided by Russia’s central bank. The email stated that Estonian authorities have repeatedly complained to the banking regulators in Denmark.

Compliance 122

Compliance Report Regulation Fraud 122

CFPB Monitor

DECEMBER 22, 2014

Mishkin The American Bankers Association, Consumers Bankers Association, Independent Community Bankers of America, National Association of Federal Credit Unions, and Association of Military Banks of America have submitted a 59-page letter commenting on the Department of Defense’s proposed revisions to its Military Loan Act regulations.

Groups 74

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PYMNTS

SEPTEMBER 20, 2019

Investors are saying the XRP sale was “ongoing,” but Ripple pointed out that the sale first took place in 2013, which would place it outside the three-year window. last month, regulators said XRP is not a security. In the U.K.

Security 136

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PYMNTS

AUGUST 21, 2018

million in fines for its audits of Ted Baker in 2013 and 2014 after the company admitted misconduct to the FRC. The regulator determined that KPMG’s decision to provide expert witness services to Ted Baker in a lawsuit breached ethical standards and compromised KPMG’s ability to audit Ted Baker’s finances without bias.

Regulation 100

Regulation Report National Operations 100

PYMNTS

NOVEMBER 15, 2019

One part of the anti-money laundering (AML) regulations is the “travel rule,” which compels exchanges to disclose identities of recipients and receivers for money transfers $3,000 or higher. “It The travel rule was first instituted in 1996, and it was expanded to apply to crypto in 2013. 15) that the U.S. billion this year.

Guidelines 125

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PYMNTS

JANUARY 30, 2019

The New York Department of Financial Services (DFS) announced it has fined Standard Chartered $40 million for attempting to rig transactions in foreign exchange (FX) markets between 2007 and 2013.

New York 128

New York Compliance Risk Management Meeting 128

PYMNTS

NOVEMBER 23, 2018

In June, Wells Fargo submitted a plan to regulators as part of a $1 billion settlement it reached with the Consumer Financial Protection Bureau (CFPB) and the Office of the Comptroller of the Currency (OCC). Regulators deemed that the plan needed to include more assurances that the bank will find them all and pay them back.

Regulation 122

Regulation Maine Policies Report 122

CFPB Monitor

JANUARY 30, 2020

Bernard will serve as Assistant Director for Regulations in the Research, Markets and Regulation Division. Before joining the Bureau, she served as the Director of the Office of Regulations and Policy in the Center for Food Safety and Applied Nutrition at the U.S. Food and Drug Administration. Department of Justice.

Regulation 78

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PYMNTS

MARCH 18, 2019

The value of fake and counterfeit products went from $461 billion in 2013 to $509 billion in 2016. percent in 2013. Because they’re not regulated, the items can be dangerous and pose health and safety risks for consumers, which is especially true for food and medical items. That’s an increase of 3.3 percent, up from 2.5

Report 124

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PYMNTS

JULY 2, 2020

Co-Founder Halsey Minor said in his own statement that “the genesis of Public Mint was to allow regulated banks to hold funds which could then be tokenized or ‘minted’, allowing for the creation of applications and business processes around money without actually moving money between banks.”. Initially, the network will be supporting U.S.

blockchain 226

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Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . This article is substantially updated from a 2013 blog post. It also monitors compliance with applicable regulations and laws. Identifying Credit Weaknesses.

System 195

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PYMNTS

JANUARY 22, 2018

In 2013, Silbert reported that the Bitcoin Investment Trust, which he founded , received $70 million in investments. Since then, the value of bitcoin has skyrocketed from $1,000 per coin in 2013 to $17,428.42 At the time, he predicted that “hundreds of millions of dollars” would be moving into the virtual currency in 2014.

cryptocurrency 140

cryptocurrency Bitcoin Taxes America 140

Chris Skinner

JUNE 16, 2017

And unlike an IPO, there is little or no government regulation of an ICO. “The first ICO was for Mastercoin in 2013. Unlike an initial public offering (IPO), acquisition of the tokens does not grant ownership in the company developing the new cryptocurrency. Ethereum raised money with an ICO in 2014.

cryptocurrency 408

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PYMNTS

JANUARY 16, 2020

Founded in 2013, the company was formerly called Taxify and rebranded to include additional offerings, like food delivery and scooters. Mobility is one of the areas where Europe will really benefit from a local champion who shares the values of European consumers and regulators,” Villig said. Bolt rolled out in London last June.

Regulation 130

Regulation Capital Examples Innovation 130

Abrigo

NOVEMBER 11, 2019

Obviously, protecting financial institutions against the impact to capital and earnings of rising interest rates has been the particular focus of regulators for more than a decade. FDIC FIL-46-2013 October 8, 2013. But is your ALM process helping avoid the risk of underperformance when rates fall or remain low?

Management 150

Management FDIC Community Risk Management 150

PYMNTS

SEPTEMBER 8, 2016

percent in 2013. percent of Americans were underbanked in 2015 and 20 percent were underbanked in 2013. Gruenberg further noted that the improvements since 2013 were better than what one would expect even in light of improving economic conditions.” percent at that time).

FDIC 100

FDIC Survey Regulation Data 100

PYMNTS

DECEMBER 27, 2019

He has been mayor as of 2013, and earlier in December he became the head of a network of the largest cities in the world aiming to fight climate change, called C40. “We We have the power to regulate car share,” Garcetti told the news outlet. “We Garcetti has put environmental issues in the center of his platform.

Los Angeles 131

Los Angeles California Regulation Report 131

PYMNTS

FEBRUARY 27, 2020

The judge disagreed with the complaint by Ripple that the lawsuit wasn’t timely because it was filed five years after XRP was offered in 2013. Wednesday’s ruling comes as concerns have arisen that regulators will find XRP an unregistered security, and possibly stop trading of the currency.

Oakland 151

Oakland California Fraud New York 151

PYMNTS

MARCH 11, 2020

The arrangement is forecasted to close in the first half of this year, as long as regulators give it the green light. percent between 2013 and 2018, arriving at around $13.5 The company said it does not foresee the deal having a material impact on earnings per share or revenue this year. rose by 29.8 billion in sales in 2019.

America 130

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PYMNTS

JANUARY 7, 2019

Government Accountability Office (GAO) said that financial regulators should look more closely at the role of non-bank tech companies in the small business (SMB) lending and consumer lending markets. Those interviewed by the GAO also said that guidelines would be of help in making sure lending is done efficiently.

Lending 150

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PYMNTS

NOVEMBER 21, 2019

The Silicon-based startup, launched in 2013, uses a unified application programming interface (API) to link FinTech apps with people’s bank accounts. and the European Union require account transparency to regulated third parties, as long as customers agree. Plaid says it has integrated with 15,000 banks in the U.S. and Canada.

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