Bank Innovation

MARCH 30, 2018

Melbourne-based challenger bank Judo Capital will be focusing its efforts on small business banking in Australia, according to banking plans unveiled by the challenger yesterday.

Capital 199

Capital National Regulation Online 199

Gonzobanker

FEBRUARY 22, 2024

For bankers to be successful in the small business lending market, they need to execute on several key tenets: strategy, people, process and technology. Another key player for successful small business banks is the vice president of business lending, who manages the relationship managers and reports to the chief lending officer.

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Lending Community Bank Community Strategy 78

Abrigo

DECEMBER 18, 2023

WATCH Takeaway 1 Banks and credit unions are critical sources of capital for businesses in their communities, so how institutions assess CRE credits matters. Takeaway 3 Loan-level stress testing can help assess repricing risk, while capital stress testing helps clarify the impact of CRE loan losses on capital.

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Risk Management Management Lending Capital 221

South State Correspondent

APRIL 30, 2024

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans.

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Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

Community banks’ main goals are to diligently support their local communities and make an acceptable return on capital in these challenging times. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans.

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Community Bank FDIC Community National 195

PYMNTS

OCTOBER 9, 2018

63 percent of small businesses applied for a working capital loan last year, data from S&P Global Market Intelligence recently found. However, Dave Gilbert, founder and chief executive officer of SMB alternative lending firm National Funding , said he’s seen a trend of growing traction within the small business community.

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National Regulation Capital Industry 167

BankUnderground

APRIL 28, 2023

This post investigates whether large and small banks in the UK and US differ in the cyclical patterns of capital positions and credit provision. The reforms aimed to ensure that banks have sufficient capital resources to absorb losses and reduce the cyclical effects of bank capital (and regulation) on the supply of bank credit in stress.

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Capital Lending US Data 78

PYMNTS

OCTOBER 24, 2019

The Kenyan National Assembly is considering a law that would make mobile lenders in the country subject to central bank oversight, which would force them to reveal transactions fees and interest rates before they dole out loans. According to the nation’s central bank, “customers will be scored and advised of their credit limit.

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Mobile Regulation Lending National 101

PYMNTS

JULY 22, 2016

It feels like 2014 again with the ongoing popularity of alternative lending startups. It’s even more surprising given that 2016 could be the year that regulation begins to really kick in for these lenders — in the U.S., Alternative Lending. Find out how the more than $26.5 MarketInvoice. million funding round. ezyCollect.

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Lending Regulation Big Data Risk Management 100

Perficient

MARCH 3, 2022

Federal bank regulators work together to design Comprehensive Capital Analysis and Review (“CCAR”) stress tests that are designed to ensure that even in the case of a severe recession, significant banks can lend to households and businesses. Covered institutions are required to use specific scenarios to conduct the stress tests.

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Capital Regulation Exercises United States 294

PYMNTS

JUNE 13, 2018

Rising corporate debt in France has led officials in the country to introduce the market’s first capital buffer requirements for banks, according to Reuters reports on Tuesday (June 12). Reports said the nation’s Finance Minister Bruno Le Maire is imposing a counter-cyclical buffer amounting to 0.25

Capital 100

Capital National Lending Regulation 100

South State Correspondent

AUGUST 21, 2023

The three risks are: 1) rising funding costs to erode profitability, 2) reduced capital at small banks compared to larger banks, and 3) elevated commercial real estate (CRE) credit risks. Community bankers often lament the COF advantage at national banks – but the numbers do not support this view.

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Community Bank Community Capital Analysis 195

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.

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Regulation National System Industry 349

PYMNTS

SEPTEMBER 12, 2016

The Securities and Exchange Board of India (SEBI) is placing pressure on the nation’s alternative lending space in a notice issued earlier this month, reports said on Friday (Sept. for example, Regulation A+ has come into effect under Title IV of the JOBS Act. In the U.S., In the U.S.,

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Lending Regulation Security National 100

PYMNTS

APRIL 29, 2019

middle-market in the recently released Golub Capital Altman Index. Analysts at deBanked suggest this means PayPal could be eclipsing OnDeck, the publication’s previous leader in small business alternative lenders (Kabbage and Square Capital round out the No. percent during the first quarter. 4 spots, respectively).

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Lending Michigan Community National 168

PYMNTS

NOVEMBER 26, 2018

has small businesses “scrambling to access financial resources to meet their working capital and long-term expansion needs,” Coface said in its report. National economic policy has China cracking down on its shadow banking market, which has also exacerbated small businesses’ struggle to access financing, analysts said.

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Lending Analysis Resources Policies 129

American Banker

NOVEMBER 6, 2023

economy and local economies throughout our nation are being "hung out to dry" by regulators' push for increased capital requirements, according to the head of the Small Business & Entrepreneurship Council. The small businesses that drive the U.S.

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Policies National Regulation Capital 92

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 MAS’ actions come after the nation enacted a third round of stimulus.

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Lending Capital Policies Regulation 151

PYMNTS

JANUARY 25, 2021

In today’s top payments news around the world, India’s central bank wants stricter regulations for big shadow lenders, while global foreign direct investment (FDI) dropped last year and the pandemic will continue to impact it this year. The central bank of India wants more stringent regulations for large shadow lenders.

United States 217

United States Regulation Payments Lending 217

PYMNTS

AUGUST 2, 2016

Small businesses will be crucial to the expansion of the P2P lending market across the globe, analysts from Technavio said. 1) said micro, small and medium-sized enterprise (MSME) lending will help fuel growth in the global peer-to-peer lending space between 2016 and 2020. ”

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Lending Capital Management Analytics 100

PYMNTS

MAY 9, 2016

Small business lending among China’s banks is, surprisingly, on the rise. But in the nation grappling with an economic slowdown, shadow lending has been a problem for years and one regulators haven’t quite been able to tackle. The regulator is combating credit beneficiary rights.

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Lending Regulation Conference Report 100

Abrigo

DECEMBER 13, 2019

Section 38 of the FDI Act authorizes the FDIC to issue Prompt Corrective Action directives to institutions that are less than adequately capitalized. The grounds to issue a C&D is when an IDI or an IAP has engaged or is about to engage in an unsafe or unsound practice in the IDI, or a violation of the law and/or regulation.

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FDIC Regulation Capital Lending 195

PYMNTS

APRIL 14, 2016

The Finnish Crowdfunding Act was designed to clarify the role of regulators as alternative lending fills the gap left by traditional banks unwilling to lend to SMEs. Major EU Member States with very different national legislation on crowdfunding provide a difficult starting point for EU negotiations,” Mäkelä added.

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Lending Regulation National Report 100

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.

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Lending Capital Report Regulation 100

PYMNTS

JANUARY 29, 2018

despite a flurry of concerns over regulations, economic development and more. 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. Now, a decade on, small business optimism is up in the U.S., Credit unions cannot invest more than 12.25

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Lending Florida Report Community Bank 116

PYMNTS

JULY 1, 2016

Soon after Lending Club revealed its ex-CEO may have artificially inflated the company’s lending volumes, the U.S. Treasury Department released its report on the sector and concluded that the market would likely benefit from greater oversight from regulators. Alternative Lending. Lendingkart.

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Lending Analytics Capital Industry 101

Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. Anxiety, anxiety, anxiety.

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Lending Regulation Community Community Bank 60

South State Correspondent

APRIL 10, 2023

Nonetheless, with the recent collapse of sizeable regional banks, regulators, investors, analysts, accountants, and bankers are now scrutinizing the fair value of banks’ securities and loan portfolios. Fair Value of Loans The fair value of securities has made recent headlines with a focus on regulators, legislators, and bankers.

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Community Bank Community Security Capital 195

PYMNTS

AUGUST 25, 2016

The company takes a more narrow focus to small business lending than some other FIs by targeting the western U.S. But Clearinghouse CDFI can also offer interesting insight into the state of regulation of small business lending and how greater oversight may impact the SMEs that prop up their local communities. A Regional Reach.

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Regulation Lending Community California 100

CFPB Monitor

AUGUST 20, 2020

federal and state financial institution regulators have taken meaningful, proactive steps to acknowledge financial inequality issues, reach out to traditionally underserved populations to expand access to credit, and further protect consumers from discrimination. This blog post contains a summary of those efforts.

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Regulation FDIC Community Lending 78

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.

Lending 100

Lending Regulation National Policies 100

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. Kennedy School of Government.

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Regulation National Austin Fintech 100

CFPB Monitor

MARCH 30, 2020

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) includes the following key provisions that affect financial institutions and regulation of financial institutions: Section 4003 – Emergency Relief and Taxpayer Provisions. Section 4010 – Temporary Hiring Flexibility.

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Regulation United States Community Bank National 122

American Banker

FEBRUARY 25, 2021

Shared national credit balances rose 5% last year, and the percentage of at-risk loans nearly doubled. Regulators point out that banks have stashed away extra capital, but a lot will depend on the speed of the economic recovery and the performance of nonbank loans.

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Lending National Capital Regulation 46

PYMNTS

DECEMBER 8, 2020

In today’s top news, economists expect the economy to recover back to pre-pandemic levels by the end of 2021, and China’s banking watchdog warns of further Big Tech regulations. Plus, online lending startup SoFi is looking to go public through a SPAC. Capital One Halts BNPL Transactions On Its Credit Cards.

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San Francisco Community Bank Video Capital 130

PYMNTS

JUNE 17, 2019

The dispute over the Office of the Comptroller of the Currency ‘s (OCC’s) national bank charter, which became available to FinTech firms last year, has reportedly caused technology conglomerates to shy away from a tool that aims to provide nonbank firms with a more streamlined way to operate on a national level.

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Google National Fintech Regulation 142

Jeff For Banks

AUGUST 2, 2014

My firm will occasionally provide feedback on correspondence to our clients'' regulators. I thought about what we should have said to the regulator, versus the sweet words I was encouraging our client to use. Below is a sample letter to your regulator, saying it like you mean it. So, no, we are not re-doing our capital plan.

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Regulation DC FDIC Analytics 95