American Banker

AUGUST 2, 2016

Regulators announced Tuesday that they are giving large banks with less than $100 billion in assets an additional year to file their living wills.

Regulation 28

Regulation Regional FDIC National 28

PYMNTS

JANUARY 9, 2018

Community banks are much better positioned to provide personalized service to small business customers; large national banks simply aren’t equipped or motivated to do so.”. The FDIC’s Advisory Committee on Community Banking offered a platform through which community bankers could highlight these challenges.

Community Bank 131

Community Bank Community Fintech Lending 131

CFPB Monitor

APRIL 22, 2021

The agencies are the Comptroller of the Currency, Farm Credit Administration, FDIC, Federal Reserve Board, and National Credit Union Administration (Agencies). Recently, federal agencies proposed revisions to the Interagency Questions and Answers Regarding Flood Insurance. However, please see the following bullet point.

Policies 60

Policies Compliance Meeting Regulation 60

American Banker

FEBRUARY 23, 2016

On the one hand, the FDIC's Quarterly Banking Profile showed how normal banking is again. But there were also worrying signs, including an increase in charge-offs, higher loan-loss provisions, and fears of the impact from the energy sector.

FDIC 28

FDIC Report Cards Community Bank 28

American Banker

JUNE 20, 2016

Financial incentives leading firms to strengthen risk governance internally is better than regulators mandating risk management standards.

Risk Management 47

Risk Management Regulation Management FDIC 47

CFPB Monitor

JUNE 15, 2020

On May 20, 2020, the OCC issued a final rule to “strengthen and modernize” its existing Community Reinvestment Act (“CRA”) regulations. The OCC acted alone in issuing the final CRA rule without waiting to achieve consensus with the FDIC, the agency with which the OCC had jointly issued the proposed rule.

Community 60

Community FDIC Lending Examples 60

Jeff For Banks

FEBRUARY 3, 2018

In 2013, there were 6,812 FDIC-insured financial institutions. Because the nation's balance sheet and income statement is not improving. That yielded 291 total institutions, broken down by region. And I have never heard a regulator say the phrase "over capitalized". Where are we and where have we been? Trends are telling.

Taxes 60

Taxes Regional Industry Trends 60

Jeff For Banks

JUNE 24, 2010

As I understand it, government officials (excluding regulators) want banks to lend, banks have the cash to lend, bankers are hesitant to lend, and regulators would just as soon have you hire another compliance officer and purchase a U.S. Regulators are slightly schizophrenic on the subject. Are these more reliable?

Lending 67

Lending FDIC Regulation Regional 67

American Banker

MARCH 15, 2016

PacWest Bancorp in Los Angeles has named Stanley Ivie, a regional director for the Federal Deposit Insurance Corp., its chief risk officer and an executive vice president. He started Monday.

Los Angeles 28

Los Angeles Regulation Regional CA 28

American Banker

APRIL 20, 2016

regulators have been asking global banks to draw contingency plans for the possibility of Britain's leaving the European Union, according to a Reuters report.

Regulation 28

Regulation Report FDIC Regional 28

American Banker

APRIL 22, 2016

Federal regulators are set to release Tuesday a long awaited proposal to require the biggest banks to retain more liquidity to withstand a prolonged crisis.

Regulation 28

Regulation FDIC Regional National 28

American Banker

NOVEMBER 29, 2016

The Federal Deposit Insurance Corp.'s s third-quarter earnings report was stacked with good news: record earnings and lending, fewer troubled loans and higher interest and noninterest income. Yet there was one statistic that is likely to fuel more calls for help from Washington.

FDIC 28

FDIC Report Washington Cards 28

American Banker

JUNE 1, 2016

Ties to the energy sector hurt the banking industry in the first quarter as earnings fell 1.9% billion compared with a year earlier, the Federal Deposit Insurance Corp. said Wednesday.

FDIC 28

FDIC Industry Community Bank Regional 28

American Banker

MAY 18, 2016

Requiring banks to improve records on which depositors are insured overlooks how the Federal Deposit Insurance Corp. resolves failures.

FDIC 31

FDIC Regional National Regulation 31

American Banker

JUNE 1, 2016

While there were positive signals like loan growth and improved interest margins in the Federal Deposit Insurance Corp.'s s first-quarter report card, there were also signs of trouble for the future, including larger institutions' ongoing exposure to the energy sector.

FDIC 28

FDIC Data Cards Report 28

American Banker

AUGUST 31, 2016

Plenty of banks have ended their federal loss-share deals early, but despite the incentives to wind them down, plenty more still have these crisis-era arrangements in place. It may be due to varying deadlines, mistakes calculating loan values or worries that they still might need the coverage for home equity lines.

FDIC 28

FDIC CA Community Bank Regional 28

American Banker

AUGUST 5, 2016

The solution to "too big to fail" is requiring all creditors, other than insured depositors, to face the risk of loss so that neither the FDIC nor taxpayers lose any money.

FDIC 28

FDIC Regional National Regulation 28

South State Correspondent

MARCH 15, 2023

Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. Some form of this ratio will likely be applied to the national and regional banks, which means larger community banks will also be judged by this ratio.

social media 195

social media FDIC Branding Management 195

Independent Banker

FEBRUARY 24, 2016

New inspirations, fresh experiences await at ICBA’s national convention. ICBA’s national convention offers an educational lineup this year of more than 60 workshops and networking sessions. State/Regional Partners Reception*. State/Regional Affiliate Associations & Exhibitor Receptions*. Regulators Luncheon*.

Community Bank 70

Community Bank Community Innovation Customer Experience 70

American Banker

DECEMBER 15, 2016

Popular Inc. in San Juan, Puerto Rico, will absorb another hit to its earnings tied to a dispute with the Federal Deposit Insurance Corp.

Puerto Rico 28

Puerto Rico FDIC Regional National 28

PYMNTS

JANUARY 31, 2019

is set to see its first new community bank in decades, as the Federal Deposit Insurance Corporation (FDIC) lent its approval for MOXY Bank to launch in Washington, D.C. The bank is one of several newly proposed community banks in the region, with goals of disrupting the financial services landscape, including business and corporate banking.

Community Bank 122

Community Bank Community FDIC Marketing 122

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

OCTOBER 11, 2016

Large banks are outpacing community banks in deposit gathering because new liquidity rules make deposits more valuable to the biggest banks, mobile banking has been a deposit magnet for the heavyweights, and regional and midsize players hold certain advantages over smaller rivals, too.

Community Bank 28

Community Bank Regional Community Mobile 28

American Banker

JANUARY 5, 2017

2016 was very good to these financial services executives, who succeeded where others failed, sold their businesses for large sums, felt the love of regulators or could finally breathe a sigh of relief.

Regulation 48

Regulation FDIC Community Bank Regional 48

American Banker

MAY 24, 2016

In guidance on banks' resolution plans, regulators effectively have made important policy decisions about liquidity transformation that were not subject to notice and comment.

Policies 39

Policies Regulation FDIC Regional 39

American Banker

DECEMBER 9, 2016

Federal banking regulators are dismissing claims that they are pressuring banks to cut ties with payday lenders, arguing that the lenders' recent request for a court order against the agencies rests on erroneous speculation and bad legal arguments.

Regulation 28

Regulation FDIC Regional National 28

American Banker

JUNE 9, 2016

Regulators need to start paying attention to "denial-of-system" attacks as one of the triggers that could bring down a systemically important institution.

Regulation 28

Regulation System Cyber Security FDIC 28

American Banker

APRIL 13, 2016

Regulators struck down the living wills of five of the eight megabanks under evaluation, including JPMorgan Chase, Bank of America and Wells Fargo, requiring them to submit fixes to their resolution plans by Oct. 1 or face more stringent regulatory requirements.

America 28

America Regulation FDIC Regional 28

American Banker

APRIL 14, 2016

The bank's top executives expressed confidence Thursday in their ability to address regulators' concerns about flaws in its resolution plan.

Report 28

Report Cards Regulation FDIC 28

American Banker

APRIL 11, 2016

Regulators have yet to provide feedback on last year's living will resolution plans, but for foreign banks with significant operations in the U.S., those assessments are too late. Such institutions are required to put in place an entirely different business model by July of this year.

Regulation 28

Regulation Operations FDIC Regional 28

American Banker

AUGUST 8, 2016

Under pressure from regulators to beef up risk management in commercial real estate lending, banks are using new software tools to improve analysis.

Big Data 28

Big Data Risk Management Data Analysis 28

CB Insights

DECEMBER 4, 2019

The regions involved in the initial pilot included Colombia, Chile, Hong Kong, Kenya, Indonesia, Malaysia, the Philippines, Peru, Taiwan, and Thailand. In these regions, consumers can pay for Amazon purchases by visiting a Western Union location and making a deposit in cash. US households, composed of 14.1M adults and 6.4M

Cards 101

Cards Lending Strategy US 101

Jeff For Banks

MARCH 29, 2014

The amount of deposits available to us while maintaining full FDIC insurance protection for our trust customers has consistently exceeded $30 million for the last three years. We are able to utilize relatively low cost deposits provided by our trust activities to fund additional loan growth. Texas Capital Bancshares, Inc.

Strategy 102

Strategy Texas San Antonio Fort Worth 102

American Banker

JANUARY 5, 2017

A California consumer group on Thursday urged the Senate Finance Committee to delay Treasury Secretary-designate Steven Mnuchin's nomination hearing after a leaked 2013 memo described alleged illegal foreclosure practices at OneWest Bank when he was chairman and CEO.

California 42

California Groups FDIC Regional 42

CFPB Monitor

JUNE 25, 2020

On May 20, 2020, the OCC issued a final rule to “strengthen and modernize” its existing Community Reinvestment Act (“CRA”) regulations. Until compliance with the final rule, national banks and federal savings banks must comply with the OCC’s current rule. This is the second in a series of five blog posts about the final rule.

Community 97

Community Lending Meeting Retail 97

William Mills

SEPTEMBER 9, 2016

I believe SEC regulations require a company to go public if they have more than 500 shareholders. Demo: Customer Insight Dashboard for Regional Manager who can view their forward looking metrics such as customer attrition and look forward several quarters. Regulated Financial Institution. Average return of 13% per year.

social media 40

social media ATM Mobile Customer Experience 40

American Banker

JUNE 20, 2016

Real regulatory relief for community banks and stricter oversight of the biggest financial firms are steps that can increase investor interest in new banks.

Community Bank 34

Community Bank Community FDIC Regional 34