Capital FDIC Lending Study 
Abrigo
DECEMBER 13, 2019
The FDIC released a manual on Formal and Informal Enforcement Actions. ABA study shows banks are reporting more cases of EFE. The FDIC released its manual on Formal and Informal Enforcement Actions. The FDIC has broad discretion to determine what form of corrective action to pursue. Key Takeaways.
CFPB Monitor
AUGUST 20, 2020
FFIEC : On June 5, 2020, the members of the FFIEC (FDIC, OCC, Federal Reserve Board (“FRB”), CFPB, NCUA and the State Liaison Committee) issued an unprecedented statement on the importance of financial inclusion. This blog post contains a summary of those efforts. A link to our prior blog post about these developments is available here.
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Abrigo
AUGUST 3, 2015
The piece also notes that customer service has suffered as a result of higher compliance costs, and community banks face stricter lending standards and capital reserve requirements. But when the approach historically taken by community banks is limited, their competitive advantage also declines.
Jeff For Banks
APRIL 25, 2015
I don't think de novo banks are key players to business startup capital formation. Sure, if you cite studies that say these banks' loan books are predominantly small, as the FDIC measures them. But that is because de novo's are limited to making a loan to one borrower of 15% of their capital position. How do I know this?
Jeff For Banks
JUNE 4, 2018
"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.
Jeff For Banks
JUNE 24, 2010
Economists and government officials continue to cite lack of lending activity as a key contributor to our economic malaise. Much of the standoff revolves around real estate secured lending. A bank this regulator examined was increasing the level of CRE on its books beyond the 300% of capital target. Would your bank lend to Ted?
Filene
JULY 18, 2018
The FDIC says more than 45 percent of Hispanic households were unbanked or underbanked in 2015. Credit unions who feel the calling to open their doors to this growing and upwardly mobile community have a great opportunity to capitalize on word-of-mouth momentum. This growth is only the tip of the iceberg. GDP growth by 2020.
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