ABA Community Banking

MARCH 30, 2016

Proposal to consider changes to guidelines adds complication Compliance Blogs Common Sense Compliance Fair Lending Mortgage/CRE Residential.

Guidelines 40

Guidelines Compliance Lending 40

Abrigo

SEPTEMBER 5, 2023

unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit). If actual practices vary materially from the written guidelines and procedures, the source of this discrepancy should be identified, and either actual practices or the written policy should be changed.

Policies 195

Policies Lending Risk Management Examples 195

Abrigo

DECEMBER 2, 2021

Indeed, deposit levels to transaction accounts among community banks exploded 74% to $896.5 31, 2019, and June 3, 2021, according to the Community Banking in the 21st Century report. In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them.

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

OCTOBER 1, 2022

While the legal status of banking cannabis-related businesses remains fuzzy at the federal level, community banks in some states are finding that, with proper controls, they’re able to enter this niche market and offer banking services to these local businesses. It’s a strategy that an increasing number of community banks are embracing.

Marketing 113

Marketing Compliance Community Community Bank 113

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool. ” Plaid Unlocks Payroll Data to Support PPP Lending. . ” Plaid Unlocks Payroll Data to Support PPP Lending.

Data 167

Data Lending Regional Fintech 167

Jeff For Banks

MAY 20, 2017

and New York Community Bancorp called off their planned merger. Both institutions were over the CRE concentration guidelines, so putting them together would exasperate this risk, so the regulatory thinking must have been. How significant was CRE lending to the souring of bank loan portfolios? The below two charts tell a story.

Lending 60

Lending Regulation Community Community Bank 60

Abrigo

MAY 22, 2015

The Community Developments Investment s spring newsletter includes an array of data on the small multifamily rental housing market and provides an overview of some of the risk management issues related to commercial real estate lending and small multifamily property lending. Stiel in a section describing underwriting challenges.

Marketing 150

Marketing Community United States Guidelines 150

PYMNTS

OCTOBER 8, 2018

As stated in the letter and as reported by CNBC, “It is important that all policy makers work toward developing clearer guidelines between those digital tokens that are securities, and those that are not, through better articulation of SEC policy, and, ultimately, through formal guidance or legislation.” . As has been reported, the U.S.

United States 174

United States Regulation cryptocurrency Cleveland 174

Abrigo

SEPTEMBER 11, 2023

Automation also helped financial institutions better serve their communities by, for example, reducing the time it takes to process a loan application. Fintechs have developed a strong competency around these advances. Learn how technology helped a financial institution during uncertain times.

Risk Management 195

Risk Management Data Technology Fintech 195

PYMNTS

JUNE 6, 2016

Biz2Credit is expanding its small business lending operations into a market without much experience with alternative finance. While India may not have the most robust alternative lending industry in the world, it’s the size of its SME population that’s attracting Biz2Credit, the company said.

Marketing 100

Marketing Lending Guidelines National 100

ABA Community Banking

APRIL 2, 2020

The Small Business Administration today issued an interim final rule that provides additional implementation guidelines and requirements for its Paycheck Protection Program to aid small businesses hit hard by the COVID-19 crisis.

Guidelines 134

Guidelines Community Bank Policies Community 134

CFPB Monitor

AUGUST 13, 2018

McWilliams stated that the FDIC’s top priorities included: (1) reducing regulatory burden on community banks; (2) increasing the speed with which the FDIC reviews charter and deposit insurance applications; and (3) assisting banks to introduce new financial products that serve underserved communities. Finally, Ms.

FDIC 68

FDIC Community Lending Guidelines 68

Independent Banker

JANUARY 28, 2016

Supreme Court held that financial institutions could be held liable for neutral practices that pose adverse lending decisions against certain borrowers, even when there is no intent to discriminate, but with restrictive guidelines. IB: How could fair lending exams change as a result of the Supreme Court’s ruling?

Policies 70

Policies Lending Community Analysis 70

Abrigo

MAY 1, 2020

The SBA and Treasury are issuing new information on a near-daily basis on the Treasury website, and new guidelines for the forgiveness process and servicing expectations are expected. Lending & Credit Risk. SBA Lending. Lending & Credit Risk. Lending & Credit Risk. SBA Lending. Learn More.

Taxes 195

Taxes Lending Payments Report 195

Independent Banker

DECEMBER 13, 2015

Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Today Security Federal Savings’ vehicle-lending portfolio has been reduced to $3 million.

Community Bank 70

Community Bank Lending Community Security 70

Independent Banker

NOVEMBER 24, 2015

Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Half a dozen years ago, the community bank held $13 million in auto loans. Today Security Federal Savings’ vehicle-lending portfolio has been reduced to $3 million.

Community Bank 70

Community Bank Lending Community Security 70

PYMNTS

JUNE 21, 2016

4445, a bill that would allow the Federal Trade Commission to develop regulations and guidelines over the use of Photoshop and other image-altering programs in advertising. We want to lend our voice and the support of the ModCloth community to this movement to stop the extreme and harmful Photoshopping of women in advertisements.”.

Retail 102

Retail Guidelines Survey Lending 102

CFPB Monitor

AUGUST 6, 2018

Aimed at “senior executives in banking organizations,” the Bulletin is published by the FRB’s Division of Consumer and Community Affairs with the intent to provide high-level summaries of various consumer protection issues and to enhance the transparency of the Federal Reserve’s consumer compliance supervisory program.

Compliance 68

Compliance Risk Management Lending Training 68

PYMNTS

APRIL 8, 2016

The movement to embrace those loans will bring in a few types of firms to help extend such credit to consumers, said the director, with the impetus coming from the first federal rule introducing guidelines coming within months, as has been widely reported.

Fintech 100

Fintech Guidelines Lending Regulation 100

PYMNTS

MARCH 30, 2020

We went into the field last Wednesday (March 24) to understand, at an aggregate level, how COVID-19 has impacted the SMBs that line the Main Streets and the side streets of our communities. In other words, this sample reflects the composition of SMBs on those Main Streets and side streets of the communities that we all call home.

Maine 232

Maine Data Capital Study 232

PYMNTS

APRIL 22, 2020

Customers still need loan deferments, emergency business loans and other services due to the economic downturn that are typically conducted in person, but banks are being forced to close their branches or limit personal interactions to maintain social distancing guidelines.

Analytics 141

Analytics Data America Cleveland 141

CFPB Monitor

OCTOBER 13, 2020

The Independent Community Bankers of America, a trade association representing community banks, endorses the clear, unambiguous standard set forth in the Proposed Rule. According to Avant, this would promote credit availability while deterring abusive lending programs.

Lending 60

Lending Colorado FDIC National 60

Independent Banker

FEBRUARY 25, 2015

Community banks, which will continue to face a growing number of senior customers with everyday cash needs and built-up home equity, should explore this niche lending opportunity, two community bankers providing these specialty loans suggest. New FHA guidelines. Consumer Lender Life Lending Web Exclusives'

Trends 70

Trends Community Lending Community Bank 70

CFPB Monitor

SEPTEMBER 22, 2015

I was joined on the panel by representatives from the CFPB (Frank Vespa-Papaleo from the Office of Fair Lending), consumer advocacy groups, and financial institutions.

Lending 60

Lending Regulation Guidelines Chicago 60

Jeff For Banks

MARCH 29, 2014

Lending services include commercial loans to small to medium-sized businesses and professional concerns as well as consumers. We believe we can effectively compete as a community bank in our market area and the niche markets we serve. The Company’s market consists of the communities served by its banking centers.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

Independent Banker

FEBRUARY 16, 2015

From opposite political directions, Senators Shelby and Brown stand on point to greatly influence community banking’s agenda in the next Congress. The mix of contrasts and similarities of Shelby’s and Brown’s perspectives and policymaking portend an active session for community banking’s agenda in the new 114th Congress. By Ed Avis.

Community Bank 70

Community Bank Alabama Ohio Community 70

Gonzobanker

MARCH 24, 2020

Gonzo bankers, we are facing events that will cause an immediate impact on the small businesses in our communities and in our portfolios, and now more than ever we need to show our stuff! The lending and credit teams need to be on top of what is available and guide small business clients on how to take advantage of it.

Groups 68

Groups Strategy Guidelines Operations 68

Fintech Labs Insights

OCTOBER 11, 2016

Lending, and banking, small businesses. Traditional home equity lending : Installment loans, lines of credit, and so on. can’t provide a flow of inbound leads to the agents; this is where established FI brands can leverage their standing in the community (within RESPA guidelines, naturally).

social media 12

social media Strategy Community Seattle 12

Jeff For Banks

MARCH 14, 2020

Following CDC guidelines and state recommendations to reduce risk, such as not attending large gatherings. As the spread of coronavirus, known as COVID-19, continues to be a growing concern across the country, we’re taking extra precautions to protect you, our teammates and the communities we serve. Do you know how hard this is?

ATM 78

ATM Policies US Management 78

PYMNTS

MAY 8, 2020

The club can still provide education, training, community, inspiration [and] motivation.”. The public safety needs created by the COVID-19 pandemic are stressing the industry, but fitness clubs and members are looking to stay active and engaged with their gym communities.

Exercises 164

Exercises Training Industry Payments 164

PYMNTS

SEPTEMBER 12, 2016

We want to lend our voice and the support of the ModCloth community to this movement to stop the extreme and harmful photoshopping of women in advertisements.”. 4445 , that would allow the Federal Trade Commission to develop regulations and guidelines over the use of Photoshop and other image-altering tactics in ad campaigns.

social media 100

social media San Francisco Retail Branding 100

Abrigo

DECEMBER 28, 2023

Written by experts who’ve helped hundreds of institutions implement CECL, the resource series includes details on data evaluation, guidelines for implementation, and information on building a meaningful model. Stay up to date on CECL best practices. To learn more about audit and regulatory expectations for CECL, listen to this CECL webinar.

Resources 221

Resources Risk Management eBook Strategy 221

Abrigo

APRIL 23, 2020

As lenders awaited word Thursday on final approval of $310 billion in new authorizations for the Paycheck Protection Program (PPP), they had as many questions as answers about program guidelines. Lending & Credit Risk. SBA Lending. Lending & Credit Risk. SBA Lending. Lending & Credit Risk.

Lending 221

Lending Los Angeles North Carolina Community 221

Abrigo

MARCH 28, 2020

We need our lending institutions to help provide capital to these small businesses,” Briggs said. That way, once federal guidelines are available, the application can be completed quickly. CRE Lending. Lending & Credit Risk. Lending & Credit Risk. Member Business Lending. Lending & Credit Risk.

Lending 221

Lending Capital Guidelines Data 221

PYMNTS

APRIL 19, 2016

However, all of what’s transpired over the last year may be the warm up act for the drubbing that it may face over its widely anticipated regulatory guidelines for short-term lenders. Short-term lending found itself with a surprise advocate in DNC chairwoman Debbie Wasserman Schultz. It’s been a dramatic 12 months for the CFPB.

Lending 100

Lending Survey Community Guidelines 100

PYMNTS

APRIL 24, 2020

The new funding round reserves $60 billion for community banks and small lenders, $75 billion for hospitals, $25 billion to support testing, $60 billion for small lenders and $60 billion for emergency disaster loans and grants. The first PPP funding was depleted within days of being released on April 3.

Guidelines 151

Guidelines Community Bank America Survey 151

PYMNTS

OCTOBER 11, 2017

Last week, after five years of debates, discussions, arguments and waiting, the Consumer Financial Protection Bureau’s (CFPB) final rules for payday lending dropped. As one might expect after such a long and intense build-up, the reactions were also fairly intense from both sides.

Lending 109

Lending Regulation Guidelines FDIC 109