Abrigo

SEPTEMBER 16, 2019

More than two-thirds of community banks surveyed for the Conference of State Bank Supervisors (CSBS) Community Bank Sentiment Index indicated they expect business conditions will be the same or better in the next 12 months. The survey for the inaugural index included 512 FDIC banks responding from early in the second quarter through July 5.

Community Bank 150

Community Bank Community Policies Survey 150

Abrigo

MAY 5, 2022

Sometimes 20 minutes, sometimes 50 minutes, this podcast digs into such topics as creating branch experiences that go hand-in-hand with digital ones, identifying risk, and consumer lending. Lending & Credit Risk. Lending & Credit Risk. keep me informed. Whitepaper. Asset Liability Modeling. Asset/Liability. CECL Models.

Community 195

Community Lending Maine Resources 195

PYMNTS

OCTOBER 24, 2019

But Federal Deposit Insurance Corporation (FDIC) coverage — which protects deposits — proved a sticking point this week. 21) that the OCC cannot in fact issue a charter for non-bank enterprises (a segment that included FinTechs) that are not able to get FDIC backing. Can’t get the charter without FDIC coverage.

Fintech 101

Fintech FDIC New York National 101

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. At a recent banking conference an industry consultant said, matter of factly, that in times of stress your Federal Home Loan Bank (FHLB) borrowing capacity would dry up.

FDIC 60

FDIC System Regulation Conference 60

ABA Community Banking

OCTOBER 1, 2019

Heated competition for bank funding is an increasingly important focus for community bank leaders, according to an annual survey released today by the Federal Reserve, the FDIC and the Conference of State Bank Supervisors. The post Survey Finds Cost of Funds Top of Mind for Community Bankers appeared first on ABA Banking Journal.

Survey 49

Survey Community FDIC Community Bank 49

Jeff For Banks

JUNE 2, 2023

The old borrow short, lend long strategy. I want to read to you the FDIC’s conclusion from their An Examination of the Banking Crisis of the 1980’s and Early 1990’s. Who would’ve thought lending $1 million to a San Francisco cab driver to buy a house at 100% loan to value would go bad? We took a serious reputational hit.

FDIC 78

FDIC Community Bank Regulation Lending 78

CFPB Monitor

JANUARY 19, 2022

The Conference of State Bank Supervisors (CSBS) has withdrawn its lawsuit filed in D.C. In its press release announcing the withdrawal , the OCC stated that in December 2021, Figure Technologies amended its charter application for Figure Bank, National Association, to offer FDIC-insured deposit accounts.

Technology 78

Technology National FDIC Fintech 78

PYMNTS

FEBRUARY 19, 2019

The remarks were made at a conference, focusing on the issue of “financial deserts,” involving the struggle for rural communities to feel the benefits of overall national economic strength and a declining unemployment rate. Reports said Powell noted that looser community bank regulations may help keep branches open.

Marketing 108

Marketing Community Community Bank Industry 108

Abrigo

SEPTEMBER 15, 2022

Bank monitoring in construction lending. More construction loan monitoring ultimately decreases loan default, according to a new FDIC Center for Financial Research working paper. While it doesn't necessarily reflect the views of the FDIC, the paper includes preliminary findings from research by FDIC staff and an FDIC Visiting Scholar.

Study 195

Study FDIC Lending Risk Management 195

Abrigo

NOVEMBER 22, 2021

Consumer Lending Laws & Compliance Financial institutions offering consumer loans need to know about these major consumer lending laws and recent compliance issues. You might also like this webinar, "Consumer Lending 101.". Consumer lending compliance spotlight. Pandemic Issues.

Compliance 195

Compliance Lending Risk Management Regulation 195

Jeff For Banks

FEBRUARY 3, 2010

But every time I looked into a conference room where a client had holed-up their examiners I saw a lot of young faces. But the FDIC has approximately 5,000 employees and examines about 5,160 banks (see [link] That’s almost one to one. I understand the FDIC also manages the insurance fund and has a consumer protection arm.

FDIC 60

FDIC Conference Analysis Lending 60

Independent Banker

SEPTEMBER 25, 2014

Among the banks I speak to, many raise the pace of change as the most significant issue,” says Jim Cooper, senior vice president of regulatory policy at the Conference of State Bank Supervisors. The truth is the vast majority of institutions already do it well, and we’re on track for the fewest fair lending issues in a decade,” he confirms.

Community Bank 70

Community Bank Compliance Risk Management Community 70

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. One regulator, on a panel at a banking conference, told a tale of a recent conversation he had with his regional director.

Lending 67

Lending FDIC Regulation Regional 67

CFPB Monitor

MAY 6, 2019

. § 520(e)(1), which contains a sentence that directly justifies the SPNB charter: “A special purpose bank that conducts activities other than fiduciary activities must conduct at least one of the following three core banking functions: Receiving deposits; paying checks; or lending money.” Supreme Court’s 1984 decision Chevron U.S.A.

Fintech 68

Fintech New York National Regulation 68

Fintech Labs Insights

NOVEMBER 10, 2023

Related: The 25 Biggest Banking, Mortgage, Lending & BankTech Events in 2023 & 2024 The 10 Biggest Investment Advisor Technology & Investech Conferences in 2023 & 2024 The 14 Biggest Payments & Card Industry Conferences & Events in 2023 & 2024 Related Stories Reacting Quickly to SVB Fallout, Mercury Launches Vault, (..)

Digital Banking 15

Digital Banking Online Atlanta Las Vegas 15

Banking 2020

MARCH 10, 2015

The rapid emergence of crowdfunding, alternative lending, and peer-to-peer transactions strongly indicates that small businesses are shifting away from the traditional banking environment. According to FDIC Data Calls as outlined in the Forbes , in the 4th Quarter of 2014, traditional banks’ commercial loan portfolios saw a 3.1%

Community 40

Community Lending Capital Conference 40

PYMNTS

OCTOBER 28, 2019

Small business (SMB) online lending company BlueVine is expanding its financial services with the launch of BlueVine Business Banking. 28) at the Money20/20 conference, BlueVine Business Banking connects small businesses to checking account services and a debit card: the BlueVine Business Debit Mastercard. Announced on Monday (Oct.

Cards 101

Cards FDIC Meeting Online 101

Abrigo

NOVEMBER 29, 2021

Financial institutions generate most of their income by lending and investment activities. Noninterest income drove 20% of community banks' net operating revenue in 2019, down from 22% in 2012, according to a recent FDIC study. Types of Noninterest Income. An important source of revenue.

Community Bank 195

Community Bank Community FDIC Trends 195

CFPB Monitor

OCTOBER 18, 2022

In remarks at the DC Fintech Week conference on October 11, 2022 and in a keynote address later the same day at a roundtable conducted by the Harvard Law School Program on International Financial Systems, Acting Comptroller of the Currency Michael J.

Regulation 78

Regulation FDIC DC System 78

William Mills

SEPTEMBER 9, 2016

International lending platform – Create opportunities for Investors. 2015 formed aspire to address inefficiencies in alternative lending market. This sounds like the best of both worlds – social funding for SMB’s with the backing of their FDIC-insurance bank. Average return of 13% per year. Regulated Financial Institution.

social media 40

social media ATM Mobile Customer Experience 40

Gonzobanker

FEBRUARY 7, 2018

Jim McAlpin from Bryan Cave LLP noted that the bulk of regulatory relief would come through a more rational examination process from the Fed, OCC and FDIC – clearly welcome news for those who fell victim to armies of examiners in conference rooms over the past decade. #2: 2: The Bulls. Source: SNL.

Taxes 76

Taxes Video Analytics Arkansas 76