PYMNTS

FEBRUARY 7, 2019

Department of Treasury finalized rules that apply to SMBs on qualifying for a 20 percent tax deduction, with the National Federation of Independent Business (NFIB) applauding the initiative. Overall, the top banks saw lending grow by 2.3 Commercial and industrial lending accelerated among the top 25 banks in the U.S.

Taxes 122

Taxes Lending National New York 122

PYMNTS

AUGUST 1, 2018

A new report by the Bipartisan Policy Center recommended several reforms that would help the U.S. The proposed changes include moving the collection and storage of small business lending data, required under the Dodd-Frank Act , from the Consumer Financial Protection Bureau (CFPB) to the Office of Financial Research (OFR).

Policies 100

Policies Report Regulation Maine 100

PYMNTS

APRIL 7, 2020

In a prepared statement , the country’s central bank and financial regulator said the “banks have sufficient capital to see them through the current economic slump while continuing to supply credit to the economy to support businesses and individuals.”. The central bank did not move to “restrict banks’ dividend policies.” billion.

Lending 151

Lending Capital Policies Regulation 151

CFPB Monitor

OCTOBER 11, 2018

At the Online Lending Policy Institute’s (OLPI) annual summit in Washington, D.C. earlier this week, the OCC’s recent decision to accept applications from non-depository financial technology firms for a special purpose national bank (SPNB) charter was the focus of considerable discussion. Questions directed at Ms.

Policies 60

Policies Lending Data Online 60

PYMNTS

JANUARY 29, 2018

About a third of SMBs recently told Capital One they’re currently in a better financial position than they were a year ago, for instance. In fact, according to the SBA’s latest report , corporate finance has largely bounced back in the nation — but small businesses aren’t seeing much of that recovery.

Lending 116

Lending Florida Report Community Bank 116

PYMNTS

MARCH 29, 2016

The European Union is in the midst of several upgrades and overhauls within its financial sector, including ongoing efforts to improve access to working capital for the region’s small and medium-sized businesses. The latest figures show levels of bank lending to large corporates has recovered back to pre-crisis levels.

Lending 100

Lending Capital Report Regulation 100

Abrigo

SEPTEMBER 16, 2019

Dunkleberg is the former dean of Temple’s School of Business and Management and has served as the Chief Economist for the National Federation of Independent Business since 1971. Bankers’ attitudes reflect conditions in capital markets and conditions in the economy, primarily the local economy served by each bank,” Dunkelberg and Scott wrote.

Community Bank 150

Community Bank Community Policies Survey 150

PYMNTS

SEPTEMBER 30, 2020

The House committee held a hearing on the idea after Acting Comptroller of the Currency Brian Brooks in July proposed a new special purpose national banking charter for payments companies. The industry claims that means payments banks wouldn’t be subject to the same capital liquidity requirements that regular banks are.

Regulation 349

Regulation National System Industry 349

PYMNTS

JULY 10, 2018

Chinese regulators are hoping to give a boost to small business (SMBs) lending by telling banks to cut interest rates for SMB borrowers, according to reports in Reuters on Monday (July 9). Small businesses are caught in the crosshairs of that trade war, according to the National Small Business Association in the U.S. percent in March.

Lending 100

Lending Regulation National Policies 100

Abrigo

MAY 5, 2022

Podcasts for Bank & Credit Union Execs & Staff Are Plentiful; Here Are 10 Good Ones These banking podcasts discuss current events, strategic and policy issues, competition, digitalization advice, and more. Listen to the podcast episode, " How To Sleep Easier at Night About Capital and Risk Levels.". Lending & Credit Risk.

Community 195

Community Lending Maine Resources 195

PYMNTS

JUNE 8, 2020

The World Bank distributes about $25 billion a year to countries through governments that identify areas where investment is needed and capital can be deployed to build infrastructure. Traditional conduits of lending, including banks and other entities, issue trillions of dollars to keep the wheels of commerce growing.

Capital 131

Capital Lending Examples Operations 131

BankUnderground

DECEMBER 15, 2022

Fragmentation is likely to have wide-ranging implications for the global economy, including increasing the volatility of capital flows and exposing gaps in the global financial safety net (GFSN). The GFSN consists of a set of financial instruments and institutions that act as insurance for countries facing sudden stops in capital flows.

Capital 81

Capital Policies Resources Regional 81

PYMNTS

NOVEMBER 29, 2019

In an interview with PYMNTS, Sam Hodges, CEO, said that high-growth tech firms, which are evolving quickly, may find that their insurance needs also evolve quickly, as they move across various stages of raising equity capital and bring on managers and directors (thus: management liability).

Policies 191

Policies California United States Management 191

Abrigo

AUGUST 5, 2020

is officially in a recession, according to the National Bureau of Economic Research. In good economic times, when banks and credit unions are experiencing minimal losses, it’s easy for financial institutions to become complacent when developing credit memos and perhaps allow policy exceptions to slip by. Asset/Liability. Learn More.

Management 195

Management Risk Management Trends Industry 195

BankUnderground

APRIL 3, 2024

Net lending represents the overall surplus or deficit, and it is theoretically the same whether you look at it from the income or financial account viewpoint. Throughout the blog, we argue that it is useful to have a flow of funds lens to provide the ‘macro’ context in which ‘macro-pru’ policy operates.

Lending 65

Lending Analysis Policies Trends 65

PYMNTS

MAY 8, 2020

Most small businesses don’t have a lending relationship with a bank. Smith pointed to it as an example of how state and local governments can leverage their positions to fix “new and legacy issues exposed by the crisis related to the supply chain, access to capital for people of color and women and social program eligibility requirements.”.

Maine 142

Maine Groups San Francisco Lending 142

PYMNTS

SEPTEMBER 19, 2016

Corporate demand for working capital similarly rose, according to some reports. New reports from software firm 1E in its Software Usage and Waste Report 2016 also uncovered high instances of software waste among businesses in other nations, with global enterprise waste currently at 38 percent. 2 nations are ahead of the U.K.

Software 100

Software Lending National Capital 100

Abrigo

JUNE 22, 2015

On June 18th, the board of the National Credit Union Administration (NCUA) unanimously approved five items , including a proposed rule aimed at modernizing member business lending (MBL). Small business lending at credit unions has continued to increase over the last several years.

Lending 150

Lending Regulation Policies Meeting 150

PYMNTS

NOVEMBER 12, 2019

The country is laying the groundwork to be the first nation to launch a digital currency and will balance privacy concerns with government oversight, Reuters reported. China is planning to launch a digital currency in early 2020 that will make allowances for privacy, a senior central bank official said on Tuesday (Nov.

Bitcoin 101

Bitcoin cryptocurrency blockchain Conference 101

PYMNTS

NOVEMBER 9, 2018

The company plans to open its first international office following the investment, which was led by Dawn Capital, said reports in CBR Online. This week, the firm announced $30 million in funding from private investment platform Morgan Stanley Expansion Capital, according to a press release. SESAMi/Capital Match.

Software 158

Software North Carolina Capital San Francisco 158

Gonzobanker

FEBRUARY 8, 2022

COVID may have accelerated things, but talk of booster shots and workplace policies wasn’t the most striking contrast at AOBA 2022. experiments with a more visible move from shareholder capitalism to stakeholder capitalism. Let’s put COVID aside for a minute. A new frontier of efficiency will arrive.

Fintech 167

Fintech Customer Experience Conference Technology 167

Abrigo

JUNE 4, 2019

The Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Board of Governors of the Federal Reserve System (FRB), and the Office of the Comptroller of the Currency (OCC) have put out a joint statement addressing many frequently asked questions about the new standard.

Policies 186

Policies Capital Report FDIC 186

PYMNTS

MAY 2, 2017

Auto lending, particularly to subprime borrowers, has been looking especially concerning as delinquencies and default rates have steadily climbed. And auto lending is not the only alarm bell currently going off — student loans are also showing a spike in defaults. Capital One reported a write-off rate of 5.1 Card Weakness.

Millennials 103

Millennials Lending Capital Cards 103

CFPB Monitor

AUGUST 20, 2020

CFPB Director Kathleen Kraninger concurrently issued a related blog post explaining that the Bureau seeks to play a leading role in the national conversation about racial inequality by taking action concerning fair treatment and equitable access to credit. On July 23, 2020, the FDIC released a podcast entitled “The Role of Minority Banks.”

Regulation 78

Regulation FDIC Community Lending 78

PYMNTS

FEBRUARY 19, 2019

banking industry is in flux, largely thanks to federal policy that has made it easier (and faster) for institutions to merge. As concerns are raised about how industry consolidation might impact competition, Federal Reserve Chairman Jerome Powell is warning that it could hinder small businesses’ access to capital and financial services.

Marketing 108

Marketing Community Community Bank Industry 108

PYMNTS

OCTOBER 10, 2016

Alternative lending platforms integrating with providers of other financial services has become a new norm. Just look at SAP Ariba , which integrated PrimeRevenue’s supply chain financing into its spend management platform, or Reckon , a small business accounting platform that recently rolled out an SME lending feature thanks to Prospa.

Management 100

Management Lending Cards Capital 100

CFPB Monitor

MAY 13, 2019

On Wednesday, May 8, the Federal Trade Commission hosted a special forum exploring small business lending practices, regulations, and policies. Addressing potential policy concerns moving forward, the panelists strongly encouraged greater transparency in the small business financing process.

Case Study 68

Case Study Policies Lending Capital 68

PYMNTS

NOVEMBER 7, 2016

and as always, national economic issues are at the top of voters’ minds. billion in small business financing from the government body — a new record overall and for the volume of its flagship lending program 7(a), which provides working capital financing, asset-based financing and refinancing support. That amounts to $28.9

America 186

America Fintech National Strategy 186

CFPB Monitor

AUGUST 13, 2018

McWilliams expressed a willingness to reexamine bank capital requirements. Unlike the previous FDIC Chair, Martin Gruenberg, Ms. Her comments suggest the FDIC might revisit its opposition to a proposal to revise the enhanced supplementary leverage ratio applicable to U.S.

FDIC 68

FDIC Community Lending Guidelines 68

PYMNTS

MAY 9, 2016

Bank of America, Capital One, Wells Fargo, Chase and more published their findings — sometimes to contradicting conclusions. Chase reached some optimistic conclusions regarding how small business owners feel about the year ahead, while Capital One highlighted a 9 percent decline in SME optimism.

America 100

America National Capital Survey 100

Independent Banker

MARCH 31, 2022

“I’m so inspired by the professionalism, integrity and commitment of our executive committee and board of directors as we work together to serve the needs of community bankers across the nation,” says Terry Jorde, ICBA senior executive vice president and chief of staff. ICBA president and CEO Rebeca Romero Rainey echoes this sentiment.

Community Bank 239

Community Bank Community Industry Texas 239

PYMNTS

NOVEMBER 6, 2018

This kind of small business is a dying breed: recent stats from the RUPRI Center for Rural Health Policy Analysis at the University of Iowa found more than 16 percent of independent pharmacies shuttered their doors between March 2003 and March 2018, according to Washington Post reports. But these business owners need capital to expand.

Capital 130

Capital Iowa Management Community 130

Lex Sokolin

JANUARY 14, 2021

If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. And that the capital appreciation that matters?—?cementing It must attract global capital and global talent. National banks can custody crypto assets. Here it is. Don’t get us wrong.

America 52

America Wyoming National Capital 52

Lex Sokolin

JANUARY 14, 2021

If you are a financial advisor or a trust company, you have missed out on $1 trillion in capital appreciation for your customers. And that the capital appreciation that matters?—?cementing It must attract global capital and global talent. National banks can custody crypto assets. Here it is. Don’t get us wrong.

America 52

America Wyoming National Capital 52

Jeff For Banks

AUGUST 2, 2014

Whatshisname, Below is our response to the Matters Requiring Attention ("MRA") that were included in your most recent examination report on Schmidlap National Bank ("Schmidlap"). Although our Tier 1 leverage ratio is greater than 10%, you criticized us for our stress scenarios contained in our capital plan. We get that.

Regulation 93

Regulation DC FDIC Analytics 93

PYMNTS

AUGUST 20, 2018

The survey stretched across 77 C-level executives, IT managers and others — and of that tally, 76 percent of firms are not currently in compliance with their own information governance policies. The challenges center on time and skilled resources, according to the data, and as cited by 60 percent of firms.

Fintech 101

Fintech Survey Regulation Resources 101

Independent Banker

FEBRUARY 28, 2023

So, he joined a training program at what was then Citizens & Southern National Bank, once the largest bank in the southeastern U.S., I got a job with First National Bank of Griffin, and I’ve been a community banker ever since.” now part of Bank of America, before moving to Griffin, Ga.,

Community 172

Community Community Bank Georgia San Antonio 172