Abrigo

JANUARY 8, 2016

The GAO acknowledged that community banks, credit unions and their professional industry associations reported increased compliance burdens and reduced activity in specific business activities, such as certain mortgage lending, as a result of Dodd-Frank.

Regulation 150

Regulation FDIC Survey Community Bank 150

PYMNTS

JULY 30, 2019

population, 18 percent report having an overdraft at least once in the last year, according to a Pew study. Low-income households are also more likely to be “ high frequency overdrafters ” who run to a negative balance 14 or more times in a year, according to a different Pew study. In the general U.S.

Digital Banking 190

Digital Banking ATM Study FDIC 190

Abrigo

NOVEMBER 29, 2021

Financial institutions generate most of their income by lending and investment activities. A recent study by the Cleveland Fed noted that traditionally, noninterest income is only 30% to 40% of small banks’ operating revenue, compared with over half of large banks’ revenue. Drive growth with integrated risk management.

Community Bank 195

Community Bank Community FDIC Trends 195

CFPB Monitor

AUGUST 20, 2020

FFIEC : On June 5, 2020, the members of the FFIEC (FDIC, OCC, Federal Reserve Board (“FRB”), CFPB, NCUA and the State Liaison Committee) issued an unprecedented statement on the importance of financial inclusion. On July 23, 2020, the FDIC released a podcast entitled “The Role of Minority Banks.” banking system. banking system.

Regulation 78

Regulation FDIC Community Lending 78

Abrigo

AUGUST 3, 2015

The piece also notes that customer service has suffered as a result of higher compliance costs, and community banks face stricter lending standards and capital reserve requirements. But when the approach historically taken by community banks is limited, their competitive advantage also declines.

Compliance 150

Compliance Community Bank Community Survey 150

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. So, according to the FDIC rate cap "guidance", you could not exceed 84 basis points on your money market accounts at December 31, 2017 if you were under regulatory scrutiny.

FDIC 60

FDIC System Regulation Conference 60

PYMNTS

OCTOBER 26, 2018

Smartwatches lead the growth, according to the data, while market support for fitness trackers is beginning to soften, something that the PYMNTS How We Will Pay study also noted. As the study notes, there is still a lot of room to grow. and globally, though an official timeline has not been set. percent last year, 1.2

Samsung 134

Samsung Apple Study Report 134

FICO

MARCH 8, 2021

Our research finds that alternative data sources that demonstrate a consumer’s ability to manage their finances are predictive of consumer credit risk. The use of this type of alternative data for credit scoring and, ultimately, consumer lending is promising for several reasons. Increasing Lender Confidence.

Data 52

Data Innovation Examples Study 52

Independent Banker

MARCH 15, 2015

Thoughtful lending and an open mind keep profits strong for incoming ICBA chairman Jack Hartings. in Coldwater, Ohio, and ICBA’s incoming chairman, held fast to his community bank’s conservative lending practices. To combat the decline in the bank’s loan-to-deposit ratio, Hartings actively sought out new opportunities in lending.

Ohio 70

Ohio Community Bank Community Lending 70

Jeff For Banks

APRIL 14, 2022

Inside the FDIC: Thirty Years of Bank Failures, Bailouts, and Regulatory Battles 2015 Louis D. Manias, Panics, and Crashes: A History of Financial Crises 2005 John Jay Knox Knox, John Jay A History of Banking in the United States 2017 Timothy Koch Koch, Timothy Bank Management (8th ed.) Giannini: Banker of America 1994 Richard X.

America 78

America National Denver United States 78