Independent Banker

NOVEMBER 24, 2015

Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Today Security Federal Savings’ vehicle-lending portfolio has been reduced to $3 million. Current lending practices can’t produce profitable car loans, Thompson adds.

Community Bank 70

Community Bank Lending Community Security 70

MyBankTracker

SEPTEMBER 10, 2020

Real estate can act as a hedge against inflation and market volatility. REITs offer the tax benefits of owning property without having to play landlord. Property investments span different markets across the U.S., Are Tax-Loss Harvesting and Automatic Rebalancing Included? This REIT invests in multifamily real estate.

Taxes 52

Taxes Online Management Examples 52

FICO

DECEMBER 14, 2020

Unexpected expense increase from income tax to Brexit (If no deal, estimated >5% cost of living). Reduced pension incomes – market volatility already showing a 14% swing. The above list is not exhaustive, and we all know that different markets, industries and sectors will have differential return to norm profiles.

Guidelines 52

Guidelines Payments Data Examples 52

MyBankTracker

JUNE 20, 2020

If you only make interest-only payments, you’ll pay about $666 a month, excluding homeowner’s insurance and taxes. And since many interest-only mortgages also have variable interest rates, your rate can also increase based on market conditions. You might use a tax refund, work bonus, or other windfall.

Payments 52

Payments Taxes Guidelines Millennials 52

Lars Markull

JULY 1, 2020

This is at the center of most Open Banking regulations and can be achieved with the right design and guidelines. . And the income and spending history is one of the most important criteria for lending companies. There are many examples from around the world including Lending Club in the United States or Auxmoney in Germany.

Risk Management 69

Risk Management Data Examples United States 69

Lars Markull

JULY 1, 2020

This is at the center of most Open Banking regulations and can be achieved with the right design and guidelines.  And the income and spending history is one of the most important criteria for lending companies. There are many examples from around the world including Lending Club in the United States or Auxmoney in Germany.

Risk Management 52

Risk Management Data Examples United States 52

Independent Banker

FEBRUARY 16, 2015

Community banking priorities of reducing regulatory burden and institutionalizing tiered regulation, as well as addressing the risks and market distortions created by too-big-to-fail institutions are likely to rank high on Shelby’s and Brown’s legislative goals for the new Congress. “In He’s a free-market conservative,” Lynch says.

Community Bank 70

Community Bank Alabama Ohio Community 70

PYMNTS

MAY 24, 2016

These days, payday lending is not a subject that lends itself to much in the way of rational discourse. Opponents of the practice note that, in its most vicious form, payday lending is an expensive predatory scourge on the class of borrowers it attracts, drawing them into a confusing and protracted cycle of debt. .

Lending 103

Lending FDIC Maine Regulation 103

PYMNTS

DECEMBER 19, 2016

Donald Trump and his administration could pull back on leveraged lending guidelines in the U.S., paving the way for banks to lend more to highly indebted companies and encourage more buyout deals. Ross, for example, is an old hand at the leveraged loan market, while Mnuchin is cofounder of OneWest, a regional bank.

Lending 100

Lending Guidelines Examples Taxes 100