Abrigo

MARCH 2, 2023

Experts have highlighted numerous lessons from Southwest’s experience, many of which can benefit bank and credit union executives, regardless of their institution size, as they manage competing priorities for spending and growth initiatives on banking solutions. A failure in back-office technology directly affects customer experiences.

Technology 195

Technology Lending Community Software 195

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

Abrigo

DECEMBER 2, 2021

Using information from the core deposit study, bank or credit union management better understands depositor behavior and has critical information to develop pricing strategies and manage funding costs. Learn how to satisfy regulators and yield more useful information in this whitepaper, "Effective Loan Review".

Conference 195

Conference San Antonio Lending Fraud 195

Independent Banker

DECEMBER 13, 2015

New Military Lending Act regulations kick in next fall. Following a three-year study on predatory lending, the U.S. Department of Defense has now issued the final rule to implement the Military Lending Act. Transactions not covered by Regulation Z are excluded from coverage under the rule. Beginning Oct.

Lending 70

Lending Compliance Regulation Virginia 70

PYMNTS

APRIL 26, 2020

“Every bank is under the cosh of its national regulators, who in times of crisis show a huge home bias,” said Jan Pieter Krahnen, director of the Center for Financial Studies at the University of Frankfurt, according to FT. This heavily influences risk management and regional exposure, which comes at the expense of clients abroad.”.

US 143

US Regional America Lending 143

Gonzobanker

JUNE 14, 2023

Cross River Bank recently found itself in hot water with the FDIC when the agency declared that the bank engaged in unsafe or unsound banking practices in relation to its compliance with fair lending laws and regulations, specifically the Equal Credit Opportunity Act and the Truth-in-Lending Act. If only it were so easy.

Compliance 109

Compliance FDIC Strategy Fintech 109

FICO

SEPTEMBER 6, 2017

In this podcast for Lend Academy, FICO Blog author Dr. Scott Zoldi talks about his role as FICO's Chief Analytics Officer, the company's AI innovations and how they are being applied in credit risk, fraud management and more. Scott discusses: Why his background in theoretical physics was perfect for studying fraud and credit risk.

Lending 95

Lending Fraud Data Analytics 95

Abrigo

DECEMBER 13, 2019

ABA study shows banks are reporting more cases of EFE. They are particularly appropriate when the FDIC has communicated with management regarding supervisory concerns and has determined that management and the board of directors are committed to and capable of addressing these concerns with some direction. CECL Regulation.

FDIC 195

FDIC Regulation Capital Lending 195

Abrigo

DECEMBER 17, 2021

Takeaway 3 Many FIs will price-compare vendors, but neglect to consider potential hidden costs , especially when managing multiple vendors. The foundation of a solid culture of innovation should begin with the financial institution’s senior management. Having a cohesive vision from the top down is critical to a culture of innovation.

Fintech 195

Fintech How To Innovation System 195

CFPB Monitor

AUGUST 20, 2020

federal and state financial institution regulators have taken meaningful, proactive steps to acknowledge financial inequality issues, reach out to traditionally underserved populations to expand access to credit, and further protect consumers from discrimination. This blog post contains a summary of those efforts.

Regulation 78

Regulation FDIC Community Lending 78

PYMNTS

AUGUST 20, 2020

A multitude of SMB investors are looking to help, but lending to digitally focused SMBs comes with its own hurdles, including fraud risks and inefficient lending procedures driven by stiff regulatory measures. SMB Lending Risks. One of the most pressing issues plaguing SMB lenders is the risk of fraud.

Fintech 177

Fintech Fraud Lending Regulation 177

Gonzobanker

APRIL 23, 2020

Troubled Debt Restructuring (TDR) guidance relaxation from regulators does not mean borrowers that are given help now will not end up classified as TDRs down the road. If the institution is using this service in the AML and fraud departments, it might be wise to open these searches to loan officers managing their portfolios.

Management 80

Management Tampa Analytics Data 80

PYMNTS

FEBRUARY 15, 2018

He said that in his own state of Washington, state regulators have been looking at those issues for some time to determine the possibility of some sort of reciprocity or sharing of information. “It The pilot being run with those initial seven states will provide some answers for how state regulators can streamline the process.

Washington 101

Washington Regulation Conference Fintech 101

PYMNTS

JULY 12, 2018

New York’s Department of Financial Services is recommending that online lenders are subjected to the same scrutiny and regulations that traditional banks face. Cuomo on June 1, 2017, required DFS to study online lending in New York State and submit a report of its findings. A bill signed by Governor Andrew M.

Online 100

Online New York Lending Regulation 100

CFPB Monitor

AUGUST 1, 2022

On July 18, the Federal Housing Finance Agency (“FHFA”) announced the launch of a new Office of Financial Technology with the goal of advancing effective risk management as it evaluates fintech developments in the housing finance space.

Financial Technology 78

Financial Technology Technology Fintech Compliance 78

PYMNTS

AUGUST 12, 2016

Then, there was the announcement of Square Capital’s partnership with Upserve , a restaurant management system (the same one that also acquired Breadcrumb from Groupon in May) to extend working capital to restaurants. where a lot of international students want to study. Barcode-Based Mobile Payments.

Lending 100

Lending Apple Cards Study 100

PYMNTS

APRIL 25, 2016

Visa is determined to make EMV faster, Starbucks wants to make getting that cuppa joe faster, too, and is crushing it with mobile order ahead and the CFPB might be moving closer to having a fast exodus of the payday lending business once its rules drop. The CFPB’s Latest Round Of Payday Lending Complaints. EMV’s Second Phase.

Lending 100

Lending Mobile Cards Fraud 100

CFPB Monitor

FEBRUARY 10, 2021

On January 26, 2021, the FTC sent its annual letter to the CFPB reporting on the FTC’s activities related to the Equal Credit Opportunity Act (“ECOA”) and Regulation B. The FTC has authority to enforce the ECOA and Regulation B with respect to nonbank financial service providers within its jurisdiction.

Report 78

Report New York City Lending Regulation 78

South State Correspondent

JANUARY 16, 2024

Barings Bank, Orange County (CA), Enron, Long-Term Capital Management, and other entities misused derivatives or didn’t understand the difference between hedging and speculating. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY.

Community Bank 195

Community Bank Community Compliance CA 195

PYMNTS

FEBRUARY 27, 2020

As William Carter, deputy director and fellow for the technology policy program at the Center for Strategic and International Studies, recently told PYMNTS , “China is viewed externally as a country where privacy is not expected and not thought about, but I do not think that accurately reflects how it is viewed within China.”

Fintech 192

Fintech Fraud Data Lending 192

PYMNTS

APRIL 15, 2019

Estimates show that shadow banking is now a $52 trillion global industry (per data from the Financial Stability Board), where assets under management have jumped 75 percent in the years since the end of the financial crisis. The Question of Regulation. During the Congressional hearing, Rep. In our “ Where Will We Bank Next?

Lending 175

Lending United States Survey System 175

FluentBanking

APRIL 18, 2020

It is important to know thoroughly about the syllabus and regulations of any course before enrolling in that. The examinees will also be asked to answer case study based/practice oriented questions. Banking diploma is a very common and recognized professional certification from The Institute of Bankers, Bangladesh (IBB).

Regulation 52

Regulation Case Study Security Management 52

PYMNTS

NOVEMBER 25, 2019

Technology companies are supplying them with the products and services their members desire, working with both individual CUs and credit union service organizations (CUSOs) to develop case management platforms, modernize systems and provide advanced loan software. Another CU issue currently awaiting federal regulation is legalized marijuana.

Alaska 154

Alaska Hawaii California Analytics 154

PYMNTS

SEPTEMBER 13, 2017

According to a study by Payoneer, 75 percent of small- and medium-sized businesses (SMBs) have backed away from global trade over concerns of not getting paid for their services. Other recent API developments aim to offer professionals an efficient way to process payments and remain compliant with local regulations.

Strategy 190

Strategy Report Lending Fintech 190

PYMNTS

JANUARY 25, 2017

With plans to release the second edition of their Americas study, which will explore alternative finance across North, Central and South America, industry experts plan to add new data to the debate over the resilience of alternative finance. Will 2016 once again present an explosion in alt-lending transaction value?

America 100

America Lending Regulation Regional 100

PYMNTS

APRIL 21, 2016

The alternative finance industry boomed post-2008 financial crisis as banks retreated from small business lending. Marketplace lenders emerged to fill the gap, and analysts began to ponder a paradigm shift: Could alternative lending threaten traditional financial institutions’ place in the world? Alt-Lenders On The Defense.

Lending 100

Lending Industry Regulation Groups 100

Abrigo

DECEMBER 10, 2021

The assessment of loan portfolio quality is then provided to senior management and the board of directors. This assessment often provides an early warning of deterioration(s) in credit quality and allows management to take steps to mitigate the risks.

Training 195

Training Policies Data Guidelines 195

PYMNTS

JANUARY 23, 2020

A Wells Fargo regulator is planning a civil suit against 10 former company executives for their roles in its retail banking scandals. Study: Tech Unicorns Overvalued By Nearly 50 Percent. Amid FICO Changes, Does Lending Slowdown Loom? OCC Prepares Civil Suit Against Former Wells Fargo Executives. Fair Isaac Corp.,

Fraud 131

Fraud Community Bank Analytics Study 131

PYMNTS

NOVEMBER 27, 2019

When it comes to a country such as the UAE, demographics can play a role on that — some 80 percent of the population is made up of expats, and they don’t always have the best luck in navigating the local financial, banking and regulation landscape. New Venture. The new venture, E20, is geared toward entrepreneurs and SMBs. More Improvements.

Fintech 167

Fintech Regional Regulation ATM 167

Jeff For Banks

JUNE 8, 2013

Louis Fed recently performed a study to uncover the characteristics of community banks that thrived during the financial crisis. As with most government driven academic studies, there were numerous answers. If we learn anything from this study, it is that at least one member of senior management should be like William McChesney Martin.

St. Louis 111

St. Louis Lending Study Strategy 111

PopularBank

DECEMBER 7, 2022

Recently, Florida passed SB 4-D, a new safety regulation for condominium and cooperative association buildings. Structural integrity reserve study. Associations are required to complete a structural integrity reserve study every 10 years for each building in an association that is three stories or higher.

Community 52

Community Florida Study ATM 52

Gonzobanker

MAY 4, 2022

Regulations – The practical application of regulations to specific situations at the institution requires deep “inside” knowledge. At Cornerstone, we’re observing a need to focus on the “build or buy” of key skills and knowledge at the bank for the next generation of leaders and managers. And they vary by FI.

Training 154

Training Survey System Data 154

Independent Banker

DECEMBER 29, 2015

ICBA warns of risks of online marketplace lending models. Online marketplace lenders are a new form of nonbank specialty lending that uses technology platforms to allow Wall Street and individual investors to directly fund loans to consumers and small businesses. Lend exclusively over online peer-to-peer platforms.

San Francisco 70

San Francisco Lending New York City Online 70

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.

Compliance 150

Compliance Community Bank Community Survey 150

PYMNTS

APRIL 7, 2016

The breakup plans proposed would entail JPMC splitting the bank into at least two companies — which would break apart consumer lending from the investment/trading side. “We We recognize management opposes a breakup on the grounds of value generated by scale and synergy,” supporters of the proposal shared, according to the proxy.

Washington 100

Washington Regulation Leadership Community Bank 100

PYMNTS

SEPTEMBER 12, 2017

Among 70 executives from 37 countries that CurrencyCloud polled in a study marking its third year, this is the percentage that saw the greatest profit potential in B2B, and in the likelihood of changing the way back offices process payments. And for firms like CurrencyCloud – currently regulated in the U.K. B2B payments.

Regulation 101

Regulation Data Innovation Payments 101

BankUnderground

FEBRUARY 5, 2021

Negative liquidity shocks on the other hand constitute a tightening of financial conditions, reducing lending and real investment ( Bruno and Shin (2015) and Avdjiev et al (2018) ). We study the responses of EM interbank rates to major global liquidity shocks, and benchmark them against those of short-term bond yields.

Marketing 95

Marketing Policies Study Tools 95