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Small Banks Could See Some Dodd-Frank Relief

PYMNTS

But as it was in the process of being put into place, small banks and credit unions found themselves subject to the same regulations — and the results of that have been notable and troubling. Louis Fed estimated that community banks pay an estimated $4.5 Since the passage of Dodd-Frank, over 1,700 U.S. banks have disappeared.

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Lessons Learned: Banks that thrived during crisis grew loans slower prior to it.

Jeff For Banks

Louis Fed recently performed a study to uncover the characteristics of community banks that thrived during the financial crisis. It appears that banks that had the ability to do the same during the heady lending times of 2004 - 2007 found it to be an enduring strategy (see table from Fed study). Build a Better Lending Function.

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Claim: Racial Disparities Rampant in Three Midwest Metro Areas

American Banker

Mortgage originators aren't lending enough to people of color or the poor in the St. Louis, Milwaukee and Minneapolis metropolitan areas, the National Community Reinvestment Coalition said.

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The Smaller the Bank, the Harder the Reg Hit: Fed's Stackhouse

American Banker

Julie Stackhouse, head of supervision at the Federal Reserve Bank of St. Louis, discusses the insights that resonated at the regulator's recent community banking conference — some encouraging for the future of small financial institutions, others less so.

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A 'Road Map' Around Rate Risks, Courtesy of the Chicago Fed Chief

American Banker

LOUIS – Risk management is critical as small banks aim to make money in a low-rate environment.