PYMNTS

SEPTEMBER 14, 2016

Comptroller of the Currency said the agency will roll out a new framework for regulating marketplace lending. Curry said officials are studying whether marketplace lending and other related innovations, including digital currencies, raise certain risks and comply with existing laws.

Lending 100

Lending Regulation Conference Study 100

PYMNTS

JUNE 1, 2018

Between 2015 and 2017, the amount of lending to small businesses by the five leading online lending providers increased 50 percent, according to a new report from NDP Analytics, a Washington, D.C.-based The report, entitled “The Economic Benefits of Online Lending to Small Businesses and the U.S. based economic research firm.

Lending 103

Lending Online Community Washington 103

PYMNTS

JANUARY 29, 2020

Florida FinTech Fidelity National Information Services (FIS) is partnering with London FinTech Liberis , to offer small to medium-sized businesses (SMBs) an alternative funding source, FIS announced in a press release Wednesday (Jan. FIS merchants in the U.S.

Lending 131

Lending Florida Capital Fintech 131

PYMNTS

NOVEMBER 27, 2018

Yet, the small business lending gap remains. In a new report, PayNet and financial research firm Raddon examined the state of small business lending in the U.S. “What we didn’t know until this study was the size of the credit market for small businesses. For banks, the reason often comes down to profits.

Lending 159

Lending Fintech Capital Report 159

PYMNTS

FEBRUARY 28, 2020

28) that digital currencies could potentially dry up lending for banks and affect the economy as a whole, according to a report by Reuters. Stablecoins need to be carefully studied and standards need to be applied to ensure they will pass tests regarding competition, data protection and efforts to combat money laundering , he said.

social media 239

social media cryptocurrency Study Groups 239

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. Cuomo on June 1, 2017 required DFS to study online lending in New York State and submit a report of its findings.

New York 173

New York Fintech Lending Regulation 173

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

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. By Mary Thorson Wright. Credit card accounts are exempt from compliance until Oct.

Lending 70

Lending Compliance Regulation Virginia 70

CFPB Monitor

MARCH 30, 2020

Under Section 4021, if a furnisher (for example, a financial institution that lends money to consumers) makes an accommodation with respect to one or more payments on a credit obligation or consumer account, the furnisher should continue to report the account as current if the consumer fulfills the terms of the accommodation.

Report 135

Report Study Lending National 135

CFPB Monitor

NOVEMBER 28, 2022

trillion nationally) are on pace to surpass student loans as the second-largest debt category in 2023. In announcing this request, “Enhancing Public Data on Auto Lending,” the CFPB stated: Financial markets and policymakers have long had access to granular mortgage data that has provided insight into patterns in lending and risk.

Data 147

Data Marketing Lending Trends 147

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. lenders, but a senior supervisory official told FT that they can’t “force them to lend.”.

US 143

US Regional America Lending 143

CFPB Monitor

AUGUST 13, 2020

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

Study 148

Study Survey National Analysis 148

CFPB Monitor

JUNE 8, 2015

senators sent a letter to Director Cordray last week regarding the CFPB’s efforts to address payday lending in which they urged him “to issue the strongest possible rules to end the damaging effects of predatory lending.” A group of 32 Democratic U.S.

Lending 60

Lending Analysis Groups Study 60

FirstInternet

FEBRUARY 24, 2021

Here are some critical questions that borrowers should ask of potential lending partners, and details they should know about the process: 1. Services can include: Single Tenant Net Lease Financing: Lending for national and regional tenants, such as drugstores, restaurants, convenience stores and others. Check us out!

Lending 52

Lending Community Training Taxes 52

CFPB Monitor

JULY 23, 2021

The DoD, in consultation with the Treasury Department, was required to provide the report by the National Defense Authorization Act for Fiscal Year 2021. However, the type of loan has changed dramatically.

Report 78

Report Lending Cards National 78

PYMNTS

MARCH 22, 2017

The overwhelming majority of participants in this study work independently because they want to and not because they have to,” the report declared. With so many entrepreneurs ready to remain as such, these professionals are taking on a role as part of what many experts say is the “bedrock” of the national economy.

Survey 102

Survey Lending Resources Report 102

Gonzobanker

DECEMBER 8, 2021

Mark Cuban is tweeting about Jill Castilla’s fintech efforts with lending system startup Teslar. Chime, Square, and Rocket’s methods are case studies in how to grow a business (fintech or otherwise) now. Fintech investing has gained near sport status. Bank CEOs are looking at fintech investment rounds. OK, me neither.

Fintech 214

Fintech Los Angeles Lending Analytics 214

Abrigo

DECEMBER 1, 2014

Credit unions have seen an unprecedented uptick in business-related loans in recent years, according to the Credit Union National Association’s (CUNA) U.S. To evaluate the level of capital needed, the NCUA notes, “Credit unions should complete a feasibility study for the program.” Credit Union Profile. billion to $43.16

Strategy 186

Strategy How To Resources Lending 186

PYMNTS

SEPTEMBER 18, 2018

The nation is forming a Direct FAST industry group, where the members will include traditional financial institutions (FIs), FinTech firms and the Monetary Authority of Singapore (MAS). The movement to open that FinTech access, said the minister, brings “greater convenience to consumers” as those individuals use their eWallets.

Fintech 166

Fintech New York US National 166

PYMNTS

MAY 24, 2018

In 2013, the OCC had discouraged short-term lending by banks with limitations on what could be offered to customers depending on their credit. Regulatory uncertainty forced banks out of this space, leaving families to rely on pawn shops, costly payday lenders or loosely regulated online lending during times of financial stress.

FDIC 100

FDIC Lending Regulation Study 100

PYMNTS

APRIL 16, 2019

A solution, he told PYMNTS four years ago , that had nothing to do with financial services or lending at all — they were actually studying hiring and figuring out ways to track employability over time with data. Our simple idea was that better technology and better data science could improve access to credit,” Girouard said.

Kansas City 223

Kansas City Lending Omaha Kansas 223

Perficient

DECEMBER 2, 2020

One happens to be a national bank that I’ve been with for as long as I can remember. The other is a credit union that I signed up with because they offered a particular lending product. Take me as an example. I have savings and checking accounts with two institutions. Join Us Next Week. Please register today !

Data 294

Data Customer Experience Case Study Branding 294

PYMNTS

APRIL 2, 2019

Microlending programs and products have mostly been associated with consumers in developing nations – particularly in sub-Saharan Africa – over the last decade. But what has gotten less attention – largely because the practice is less common – is how microlending operations play out in developed nations like the U.S.

Tools 126

Tools Study Los Angeles New Jersey 126

South State Correspondent

JANUARY 16, 2024

We believe that our program offers an advantage against the national banks. Conclusion The BSBY case study highlights one of the often-overlooked risks of derivatives. If you only sell a few loan hedges yearly, are the startup and maintenance costs worth it? At SouthState Bank, we use an alternative to ISDA-based, back-to-back swaps.

Community Bank 195

Community Bank Community Compliance CA 195

Gonzobanker

FEBRUARY 26, 2019

Recent fintech deals across digital, lending, payments and infrastructure are telling a big story. Lending: Mashing Up Analytics & Digital. From commercial to consumer lending, the credit process is one that banks have been re-working to reflect the shift to digital self-service buying. Money talks.

Fintech 120

Fintech Analytics Lending Case Study 120

Abrigo

DECEMBER 13, 2019

ABA study shows banks are reporting more cases of EFE. Lending & Credit Risk. Lending Regulation. How Stress Test Results Can Yield Better Lending, Credit, and Risk Decisions. Key Takeaways. The FDIC released a manual on Formal and Informal Enforcement Actions. BSA Rules and Regulation. CECL Regulation. Learn More.

FDIC 195

FDIC Regulation Capital Lending 195

Celent Banking

APRIL 7, 2017

Lending Product. National Australia Bank, Australia. Each of the award winning initiatives is published as a case study and available to Celent research clients by following the links above. In the meantime, enjoy the case studies and let's celebrate the Model Bank winners of 2017! Emerging Technology for Businesses.

Case Study 189

Case Study Boston Risk Management Study 189

CFPB Monitor

FEBRUARY 9, 2022

The CFPB’s Fair Lending Director, together with senior officials from other federal agencies, have sent a letter to The Appraisal Foundation (TAF) commenting on proposed changes to the Uniform Standards of Professional Appraisal Practice (USPAP). (TAF

Training 78

Training Lending Analysis Study 78

BankUnderground

APRIL 28, 2023

In this post, I investigate this hypothesis and study the implications of stricter cycle-sensitive capital requirements under Basel III for these cyclical patterns. GDP data was collected from the Office for National Statistics and FRED® for the UK and US respectively. Table A: Summary statistics 1: UK data (£ millions) Obs.

Capital 78

Capital Lending US Data 78

PopularBank

DECEMBER 7, 2022

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. All community associations, regardless of size or location, must adequately fund reserves pursuant to the reserve study required.

Community 52

Community Florida Study ATM 52

PYMNTS

APRIL 15, 2019

Citigroup CEO Michael Corbat responded that leveraged lending is seeing growth outside of the regulated financial system (he pointed to mortgage and auto lending), and so is not yet posing a systemic risk. Dimon said leveraged lending and student lending are “growing rapidly … and deteriorating rapidly.”

Lending 175

Lending United States Survey System 175

American Banker

MAY 18, 2016

A study commissioned by the Massachusetts Bankers Association found a correlation between a spike in credit unions with low-income designations and an increase in member business lending in the state.

Lending 31

Lending Massachusetts Study Community Bank 31

CFPB Monitor

AUGUST 3, 2020

Midland Funding , which held that a non-bank that purchased charged-off loans from a national bank could not charge the same rate of interest on the loans that the national bank charged under Section 85 of the National Bank Act (NBA). 1463 applies only to interest that a national bank or federal savings association may charge.

National 78

National New York California Illinois 78

PYMNTS

APRIL 18, 2017

The slowdown of China’s economic growth has had markets concerned, but new data suggests the nation could be on its way to reversing the trent. The first quarter’s results were boosted by bank lending and a peak in starts of long-term construction projects. percent GDP annual growth rate.

Policies 100

Policies Washington National Study 100

PYMNTS

JUNE 26, 2020

It will be relying upon its new cloud-supported platform to craft newer products for quicker deposits and easier lending, according to company statements. Pacific National Bank (PNB), meanwhile, is using cloud core banking tools to support and launch a new digital-only financial brand which it is calling FACILE. customers in late May.

Meeting 227

Meeting Mobile Digital Banking Tools 227

PYMNTS

AUGUST 3, 2018

“It’s been well-documented for many years that banks have used a variety of methods to push people into incurring overdraft fees to boost their income,” said Lauren Saunders, an associate director at the National Consumer Law Center , who helped work on the legislation, according to Vox. It’s been such a cash cow for banks.

ATM 104

ATM Study System Lending 104

PYMNTS

FEBRUARY 25, 2019

The Conference of State Bank Supervisors (CSBS) said earlier this month that it had put in place a set of action items to standardize the national experience of FinTechs and non-bank entities. This is an area that we are studying.”. We had some robust discussions with them about community banking and innovation.

Regulation 147

Regulation Fintech Community Bank Community 147