Perficient

MARCH 3, 2022

The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. Equity market volatility, as measured by the Chicago Board Options Exchange Volatility Index (VIX), declines in 2022 by about 6.5 to hover around 2.50

Capital 294

Capital Regulation Exercises United States 294

PYMNTS

APRIL 8, 2020

We pay a price for not exercising, but conversely, gyms and online classes aren’t free of charge. point-of-sale (POS) form of lending that’s become a retail sensation around the world in recent years. point-of-sale (POS) form of lending that’s become a retail sensation around the world in recent years. Don’t Sweat It.

Exercises 173

Exercises Payments Millennials Retail 173

CFPB Monitor

SEPTEMBER 14, 2020

The report discusses the Bureau’s examinations in the areas of consumer reporting, debt collection, deposits, fair lending, mortgage servicing, and payday lending that were completed between September 2019 and December 2019. Fair lending. The CFPB has released the Summer 2020 edition of its Supervisory Highlights.

Lending 78

Lending Report Regulation Exercises 78

Abrigo

SEPTEMBER 5, 2023

unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit). The following is an example of how I would address the structural exception of non-recourse lending. There are certain instances where, for structural or competitive reasons, a guarantee is difficult to obtain.

Policies 195

Policies Lending Risk Management Examples 195

South State Correspondent

MAY 23, 2023

Lending is getting riskier. This data is critical for pricing, capital allocation, and marketing. As can be seen, the consumer is starting to feel the credit shock first while commercial lending is still performing. Minnesota, North Dakota, and Iowa were the least risky states to lend into. This quarter, it is 2.58%.

Trends 195

Trends Minnesota North Dakota Arizona 195

South State Correspondent

OCTOBER 31, 2023

This is a bad strategy for the following reasons: If, in five years, the credit spread is below market because of tight lending conditions, poor borrower performance, or a recession, the borrower will take that credit spread and retain the loan. This is a suboptimal outcome for the bank. Again, this is a bad outcome for the bank.

Strategy 195

Strategy Examples Exercises Marketing 195

South State Correspondent

MARCH 14, 2024

Banks need to evaluate new technology, new lending areas, and new cash management levels to name a few with a longer time horizon and with some process rigor. This type of exercise is planning, not strategic planning. Whip Company had the largest market share with the most efficient operations. Do you remember them?

Innovation 195

Innovation Strategy Capital Comparison 195

FICO

SEPTEMBER 23, 2022

Retain and Grow Deposit Market Share as Interest Rates Rise. This will provide some relief to savers, who are long-accustomed to negative real interest rates (and negative nominal rates in many European markets). . The question of “Where do I want to be in the market rankings?” FICO Admin. Tue, 07/02/2019 - 02:45.

Marketing 52

Marketing Analytics Strategy Analysis 52

PYMNTS

MAY 8, 2020

That is why, he noted, despite predictions that people would buy Pelotons for Christmas and then put them up on Craigslist in January, the experience is in fact enjoyable and compelling and keeps people coming back more than a standard exercise bike or treadmill might.

Lending 187

Lending Payments Exercises Report 187

Abrigo

JULY 14, 2023

For example, say your management and board’s strategy for the upcoming year is to grow the CRE loan portfolio by 10%, and the institution needs to consider expanding into new markets to achieve this goal. Where are the majority of your borrowers and collateral located, and where should the institution concentrate its marketing efforts?

Strategy 195

Strategy Data Analytics Analysis 195

CFPB Monitor

JULY 6, 2021

Fair lending. Payday lending. CFPB examiners found widespread errors within 2018 HMDA loan application registers of several financial institutions. In several examinations that identified such errors, the root causes were deficiencies in the institutions’ compliance management systems. Student loan servicing.

Lending 78

Lending Report Regulation Analysis 78

PYMNTS

DECEMBER 17, 2018

Use of alternative finance (AltFin) sources among small business (SMB) owners is on the rise, but still has a long way to go before it poses a legitimate threat to traditional banks’ market dominance. have already used an alternative lending platform, particularly among younger entrepreneurs. ”

Policies 195

Policies Data Lending Exercises 195

Abrigo

FEBRUARY 24, 2022

Takeaway 1 Interest rate risk for financial institutions is the risk that earnings and market value may decline as market interest rates change. . Defining interest rate risk A loose definition of interest rate risk is the risk that an institution’s earnings and market value may decline as market interest rates change. .

Management 195

Management Analysis Strategy Policies 195

Gonzobanker

FEBRUARY 29, 2024

Without this push, traditional banks may lose a terminal amount of future market share. An exercise Cornerstone likes to conduct: Take a look at the top 20% of the bank’s headcount and review comp and bonus in descending order. Why is this important?

Tools 163

Tools Analytics Data System 163

PYMNTS

SEPTEMBER 6, 2019

US Payment Card Market Tops $6T. Stripe Gets Into Lending. Payments and Peloton’s Plans to Go “Beyond the Bike” Peloton combines its own hardware, software and subscription model to try and win over exercise-minded consumers. Also, commercial and consumer cards issued in the U.S. generated $6.13 generated $6.13

Capital 128

Capital Cards Google Payments 128

South State Correspondent

APRIL 27, 2022

The total experience is the product, the user’s journey with the product, the marketing/branding, and the interaction between the users and support staff. Journey mapping with meaning – Journey mapping is not a one-time exercise or some bank marketing consultant’s final deliverables.

Customer Experience 195

Customer Experience eBook User Experience Policies 195

PYMNTS

OCTOBER 31, 2018

CYBG, which recently acquired Virgin Money with plans to ramp up small business lending, is facing a heightened legal challenge from small businesses accusing the institution of forcing some small firms into insolvency. Reports in Sky News on Tuesday (Oct.

Exercises 116

Exercises National Branding Lending 116

South State Correspondent

AUGUST 21, 2022

We compared and contrasted the two strategies and sized the market for community banks. Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. We also shared a table that summarized the two strategies.

How To 195

How To Community Bank Community FDIC 195

PYMNTS

JUNE 25, 2018

And so, the two-sided market lives on. The case went to trial in 2014, and eventually after twists and turns, an earlier decision that the market considerations should have focused on the merchant side of the equation was reversed on appeal.

Ohio 103

Ohio Cards Exercises United States 103

FICO

DECEMBER 20, 2018

The annual exercise of staring into our crystal balls and making predictions for the coming year has begun. In our current rising rate environment, any bank that can’t grow (or at least sustain) its deposits base will face shrinking net interest margins and a competitive disadvantage in their consumer lending businesses.

Trends 73

Trends Lending Fraud Exercises 73

Filene

SEPTEMBER 30, 2016

After monitoring the ongoing conversation around the CFPB proposed regulations on Payday lending and other types of high cost installment loans, Filene takes a unanimous stance on the issue: Educate yourself on the proposed regulations, form an opinion, and submit a comment! The need for small dollar lending is huge. The Research.

Lending 28

Lending Regulation Innovation Community 28

Accenture

NOVEMBER 20, 2017

In “Paradise Lost”, 17th-century English poet John Milton describes two types of warriors: One group are “employed in sporting games and exercises” and “sing in the valleys”, while the other group “rend up both rocks and hills”, “make wild uproar” and “ride the air in whirlwind”.

Trends 170

Trends Payments America Strategy 170

BankUnderground

JULY 22, 2020

Dollar shortages in funding markets outside the United States have been a recurrent feature of the last three major crises, including the turmoil associated with the ongoing Covid-19 pandemic. As part of this swap operation the Fed lends US dollars to a foreign central bank, receiving the other country’s currency as collateral.

US 80

US Policies United States Lending 80

BankUnderground

OCTOBER 5, 2021

With economies virtually shut, financial markets were an exception and remained open. The main objective of our research is to exploit the heterogeneous spread dynamics across corporate bonds to learn about the nature of the underlying shock hitting financial markets during the Covid turmoil, as well as its transmission mechanism.

US 87

US Policies Marketing Maine 87

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. It actually has fallen since April as the market anticipated three cuts to the Fed’s target fed funds rate. Lending & Credit Risk. Ready to use your ALM for strategic decision-making?

Management 150

Management FDIC Community Risk Management 150

Abrigo

OCTOBER 9, 2019

Charge offs were close to zero for most banks since 2013, according to call report data from S&P Market Intelligence. Institutions utilize current, forecast, and historical market data to put scenarios in context and, in some cases, combine scenarios to assess their impact. Portfolio Risk & CECL. Learn More. Asset/Liability.

Data 150

Data Exercises Software Tools 150

BankUnderground

JULY 7, 2020

The yellow and blue series display the new “global” data in nominal and real terms: these have to be constructed from a wide array of scattered archival and printed sources, and should be thought of as a DM public long-term debt series that incorporates both consolidated and unconsolidated voluntary lending across the full risk spectrum.

CA 111

CA Trends Exercises Data 111

FICO

AUGUST 19, 2022

Fighting back against the FinTech disruption isn’t an exercise in total war – it’s about carefully picking one’s battles. Here are five specific competitive threats – areas where FinTech companies are gaining traction in the banking market – and what banks should be doing to counter them. banks collected $15.47

Fintech 52

Fintech Millennials Lending Tools 52

CFPB Monitor

APRIL 11, 2022

A Connecticut federal district court has refused to dismiss claims filed by the CFPB against a mortgage company and three of its principals for alleged Truth in Lending Act (TILA), Mortgage Act and Practice (MAP) Rule, and Consumer Financial Protection Act (CFPA) violations.

Connecticut 78

Connecticut Company Regulation social media 78

TrustBank

JUNE 30, 2020

It would be an understatement to start by noting that COVID-19 has had a significant impact on the US health care system, economy, and markets in 2020. When reviewing real estate sales and inventory, analysts consider a less-than six month supply to be a seller’s market, and a more-than six month supply to be a buyer’s market.

Washington 52

Washington National Exercises Report 52

Gonzobanker

JULY 28, 2014

Lending execs across the country were clearly dissatisfied with how manual processes and lackluster technology were used to stumble through those massive re-fi volumes. Bankers face a lot of work and challenges as they attempt to marry new lending systems with elegant, customer-friendly lending processes. Now we’re talking! .

System 103

System Lending Data US 103

FICO

SEPTEMBER 28, 2017

The EFL score uses psychometrics and behavioral data to measure a person’s credit risk based on an applicant’s answers to a series of interactive questions and exercises administered via an online assessment. One partnership that may surprise some people is with EFL Global , a leading alternative credit scoring company.

Case Study 74

Case Study Analytics Study Exercises 74

CFPB Monitor

FEBRUARY 5, 2021

We view the vigorous application of UDAAP to small business lending by the DFPI as a significant possibility, which will mark a sea change for this type of credit product.). (The CFPB has historically shied away from rulemaking to define UDAAP, but this could be an indication that the DFPI might move in a different direction.).

California 78

California Los Angeles Regulation Resources 78

CFPB Monitor

OCTOBER 6, 2022

As alleged the Commissioner is not attempting to regulate the transfer of loans in the secondary market. Rather, the focus here is on the identity of the lender in the primary market. Unless it settles, it creates a risk to the viability of bank model online lending that is structured like OppFi’s Program.

California 78

California FDIC Analysis Utah 78

Gonzobanker

JUNE 29, 2018

I eat, sleep and breathe lending, so of course I’d recognize the glaring similarities between the recent royal wedding and my bank and credit union clients’ relationships with their loan origination system vendors. This exercise can potentially add more value than the new LOS itself. Lend wisely, DJ. Admittedly Unknowing.

System 60

System Training Lending Management 60

CFPB Monitor

SEPTEMBER 25, 2015

The joint complaint filed by the CFPB and DOJ in federal district court in New Jersey states that the action resulted from a joint investigation by the agencies of the bank’s lending practices following the CFPB’s referral of the bank to the DOJ pursuant to the ECOA. The proposed consent order requires the bank to pay a $5.5

NJ 60

NJ New Jersey New York Philadelphia 60

Jeff For Banks

AUGUST 2, 2014

Aside from the clear lack of analytic rigor you exercised to come to this conclusion, it is important to remind you that estimating future negative events that impact our capital is guesswork. We have a lot of small restaurants in our markets that can pledge pizza ovens as collateral. You opined they lacked analytic rigor. We get that.

Regulation 95

Regulation DC FDIC Analytics 95