Abrigo

DECEMBER 23, 2022

Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Would you like other articles like this in your inbox?

Resources 195

Resources Risk Management Study Strategy 195

PYMNTS

SEPTEMBER 25, 2017

Australia is now the Asia Pacific region’s second-largest alternative finance market, largely due to a favorable regulatory climate, according to new KPMG analysis. The Australian market is quickly becoming a hotbed of alternative lending , and new analysis from KPMG suggests it has risen up in the ranks.

Lending 100

Lending Regional Analysis Survey 100

PYMNTS

FEBRUARY 11, 2019

As the payments landscape evolves and becomes ever more digital in scope, and as FinTech firms make inroads into traditional financial services, regulators are looking at FinTech credit — and how it might be defined and shaped. There seem to be no easy answers on just how to regulate the space.

Fintech 195

Fintech Lending Regulation Survey 195

CFPB Monitor

JUNE 14, 2021

Two leaders of the CFPB’s Fair Lending Office – Patrick Ficklin, Fair Lending Director, and Charles Nier, Senior Fair Lending Counsel – recently published an article advocating for broader use of special purpose credit programs (“SPCPs”) by creditors.

Lending 78

Lending Regulation Study Washington 78

PYMNTS

FEBRUARY 5, 2018

Last month, Canada’s Competition Bureau released its final study on tech-led innovation in FinTech, offering regulators some thoughts on competition in the payments sphere, along with suggestions on where the competitive landscape could be improved. Canada might be viewed as a different market when it comes to financial services.

Regulation 103

Regulation Bitcoin Innovation Study 103

Abrigo

APRIL 21, 2023

Focus loan reviews on risk in the portfolio Continuous loan review monitoring helps banks and credit unions ensure credit review systems support safe and sound lending. discussed how they use continuous monitoring in their efforts to ensure safe and sound lending practices.

Lending 195

Lending Risk Management Software System 195

PYMNTS

DECEMBER 11, 2019

When it comes to lending — to say nothing of the wider world of payments — innovation and disruption have been on the rise in recent years thanks to digital and mobile technology, along with online marketplace models. So-called peer-to-peer (P2P) lending has certainly faced challenges in certain markets. Despite lending £6.7

Fintech 144

Fintech Lending Regional Regulation 144

CFPB Monitor

FEBRUARY 10, 2022

Zywicki and Miller have co-authored a soon-to-be published study, “The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market,” in which they analyzed 15.6 million storefront payday loans made to 1.8 Alan Kaplinsky, Ballard Spahr Senior Counsel, hosts the conversation.

Mississippi 60

Mississippi Regulation Study Analysis 60

PYMNTS

SEPTEMBER 14, 2018

To challenge the Office of the Comptroller of the Currency (OCC)’s decision to allow online payment companies and lenders to have national bank charters, the top banking regulator in New York is suing the federal government. Further panning the decision, Vullo called the move “lawless, ill-conceived and destabilizing of financial markets.”

New York 173

New York Fintech Lending Regulation 173

PYMNTS

OCTOBER 1, 2020

The study surveyed more than 5,000 U.S. Some business verticals are doing better than others, the PYMNTS study found. For instance, instant payments are most prevalent in the worlds of wages, insurance disbursements and lending payouts, according to the survey results. Fast Fact No. Consumers disagree. Fast Fact No.

Trends 306

Trends Study Taxes Payments 306

Abrigo

MARCH 2, 2023

Community banks and the entire banking industry face downside risks from inflation, rising market interest rates, and continued geopolitical uncertainty, the FDIC said recently in its quarterly report. Perhaps executives think delaying or cutting spending on technology to make lending more efficient will affect only their staff.

Technology 195

Technology Lending Community Software 195

CFPB Monitor

APRIL 7, 2022

A new CFPB report, “ Market snapshot: Consumer use of State payday loan extended payment plans, ” describes the requirements of state payday loan extended payment plan laws in the 16 states that have such laws. According to the CFPB, the report “is believed to be the first study to compare State extended payment plans and usage rates.”.

Report 148

Report Payments Lending Resources 148

PYMNTS

MARCH 29, 2016

Post-financial crisis, amid economic recovery, financial institutions across the EU have been calling for a cut in capital charges if they are to ramp up their lending, especially to SMEs. The latest figures show levels of bank lending to large corporates has recovered back to pre-crisis levels. Apparently, it hasn’t.

Lending 100

Lending Capital Report Regulation 100

BankUnderground

FEBRUARY 5, 2021

Emerging markets (EMs) have become more exposed to the global financial cycle in recent years. 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) ). Aakriti Mathur and Shekhar Hari Kumar.

Marketing 95

Marketing Policies Study Tools 95

PYMNTS

MAY 24, 2018

The guidance did not change any regulation, but clarified the regulator’s stance on the loans, Reuters reported. In 2013, the OCC had discouraged short-term lending by banks with limitations on what could be offered to customers depending on their credit. In any market, robust competition is a win for consumers.

FDIC 100

FDIC Lending Regulation Study 100

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

While the executive order focused on cryptocurrency and digital assets, it also more broadly directed agencies to take concrete steps to study and support technological advances and promote equitable access to safe and affordable financial services. .

Financial Technology 78

Financial Technology Technology Fintech Compliance 78

South State Correspondent

JANUARY 16, 2024

With the development of the term SOFR market, BSBY offers no perceived advantages over SOFR, Fed Funds, or Prime. BSBY was not well received by US regulators from its inception, but the market eventually embraced SOFR over BSBY. We provide lenders with education and marketing support to sell the ARC program.

Community Bank 195

Community Bank Community Compliance CA 195

CFPB Monitor

MAY 4, 2016

The CFPB recently joined other federal regulators who have indicated a growing interest in marketplace lending with its announcement that it is accepting consumer complaints about loans obtained through marketplace lenders.

Lending 60

Lending Study Online Regulation 60

CFPB Monitor

AUGUST 13, 2020

The NCCF was established by the Consumer Credit Protection Act of 1968) to study consumer credit markets and recommend improvements in consumer credit regulations. The article begins with a discussion of a 1972 report issued by the National Commission on Consumer Finance (NCCF). A $594 loan required a 103.54

Study 148

Study Survey National Analysis 148

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

APRIL 15, 2019

Specifically, who knows what dangers — for banks, at least — lurk in shadow banking, as FinTechs emerge to nibble at market share? or more commonly structured investment vehicles, collateralized debt obligations, money market funds and others — has certainly gathered momentum. The Question of Regulation.

Lending 175

Lending United States Survey System 175

PYMNTS

FEBRUARY 27, 2020

For the growing number of challenger banks in the market, open banking may just be an important driver of adoption of digital financial institutions (FIs), a recent PYMNTS report noted, pointing to Revolut as the latest challenger bank to embrace open banking. Fifth Third Bank Taps FinTech For SMB Lending. As part of the U.K.’s

Fintech 192

Fintech Fraud Data Lending 192

CFPB Monitor

NOVEMBER 24, 2014

A study of indirect auto financing commissioned by the American Financial Services Association found that the CFPB’s proxy methodology for measuring disparities in auto dealer reserve is “conceptually flawed in its application and subject to significant bias and estimation error.” Cubita and John L. Culhane, Jr.

Study 68

Study Analysis Regulation Analytics 68

PYMNTS

NOVEMBER 14, 2018

The Federal Deposit Insurance Corporation (FDIC) announced that it is has issued a request for public comments related to small-dollar lending by financial institutions. As a result, online lenders have flooded the market, some of them focusing on consumers with low credit scores or no scores at all.

FDIC 128

FDIC Lending Study Meeting 128

PYMNTS

NOVEMBER 12, 2020

Twelve years after the housing and mortgage markets’ collapse threw the United States into financial distress not seen since the Great Depression, market watchers are again on the lookout for a possible new banking crisis spawned by upheaval in the U.S. commercial real estate sector. No Quick Fix.

New York City 227

New York City New York Missouri Philadelphia 227

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

BankUnderground

JANUARY 27, 2021

One key message stands out: banks that are more rooted in their market are much more likely to continue lending when faced with the economic fallout from such shock. Banks with access to central bank liquidity continued or even expanded their lending. A pandemic or natural disaster can impact lending in several ways.

Lending 68

Lending Study Marketing Capital 68

PYMNTS

MAY 4, 2018

Its parent company, Enova International, reportedly spent more than $100 million in 2017 for marketing. The study examined data from TransUnion that identified about 90,000 customers who had taken out an online loan between 2007 and 2012. The Daily Press could not reach NetCredit for immediate comment.

Virginia 108

Virginia Online Cleveland Study 108

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

NOVEMBER 25, 2019

In the November Credit Union Tracker , PYMNTS explores the latest in the world of CUs, including new Congressional regulations, partnerships between CUSOs and technology providers, and the new generation of cybersecurity threats. Another CU issue currently awaiting federal regulation is legalized marijuana.

Alaska 154

Alaska Hawaii California Analytics 154

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 17, 2021

In fact, corporate culture is more important to an innovative culture than the institution's size, level of investment, location, or regulatory environment, according to a recent study by the ? Lending & Credit Risk. Lending & Credit Risk. Lending & Credit Risk. Digital Banking Report. Asset/Liability.

Fintech 195

Fintech How To Innovation System 195

PYMNTS

SEPTEMBER 13, 2017

The latest edition of the PYMNTS.com B2B API Tracker™ , a FI.SPAN collaboration, examines how APIs are helping both banks and smaller businesses address their fears and embark on new ventures in new markets. Traditional banks are seeing new FinTech players become more competitive on several fronts, including lending.

Strategy 190

Strategy Report Lending Fintech 190

PYMNTS

MAY 24, 2016

The threat that is alternative lending is no more, according to a new report by Deloitte. The firm published a paper on the marketplace lending industry this week following a rocky month for the sector — the sudden exit of Lending Club’s CEO sent stocks tumbling. Soon after, the U.S. Nothing To Fear.

Report 100

Report Lending Industry Analysis 100

PYMNTS

NOVEMBER 27, 2019

The bigger players take up more space at the table, and, for various reasons, often face fewer barriers to market entry and expansion than small- and medium-sized businesses (SMBs). A recent study on the region showed that almost 65 percent of entrepreneurs in the UAE think banking is their biggest challenge. New Venture.

Fintech 167

Fintech Regional Regulation ATM 167

Gonzobanker

MAY 4, 2022

Regulations – The practical application of regulations to specific situations at the institution requires deep “inside” knowledge. An institution’s required credit expertise will depend on its business/niches – for example, knowledge of national environmental lending will be unique from that of import/export letter of credit.

Training 154

Training Survey System Data 154