Abrigo

DECEMBER 14, 2023

Start with a survey and pre-planning meetings. In a banking landscape that is constantly changing with new regulations, increasing competition, and other new challenges, it is critical to maximize your strategic plan's effectiveness. Takeaway 2 Examine your metrics to evaluate your starting point. Where are you now?

Lending 221

Lending Risk Management Meeting Survey 221

Abrigo

MAY 19, 2023

As our annual loan review survey pointed out, loan review units have a severe workforce shortage at both the junior and senior levels. The annual loan review survey showed that schooling has most likely not interfered with loan reviewers’ education because departments lack funds to expend on loan reviewer training.

Training 195

Training Lending Risk Management Guidelines 195

Abrigo

DECEMBER 16, 2014

Lending standards continue to relax, according to data from the OCC’s 2014 Survey of Credit Underwriting Practices. This type of easing is similar to that experienced between 2004 and 2006, the time period leading up to the financial crisis, which many attribute to inadequate lending standards.

Lending 223

Lending Survey Training Retail 223

Abrigo

FEBRUARY 2, 2015

For most consumers who have a checking account, savings account and maybe a mortgage, the regulations placed on their community bank isn’t given a second thought. Two recent surveys addressing the community banking landscape have pointed to increasing regulations as the primary cause of stress for these institutions.

Community Bank 150

Community Bank Community Regulation Survey 150

Abrigo

NOVEMBER 16, 2016

Bank regulators for many quarters have expressed concern about easing underwriting standards in commercial real estate lending, especially as examiners have noticed increased concentrations of CRE loans in financial institutions’ portfolios. 17 at 2 p.m.

Lending 150

Lending Survey Risk Management Regulation 150

PYMNTS

JANUARY 7, 2019

Government Accountability Office (GAO) said that financial regulators should look more closely at the role of non-bank tech companies in the small business (SMB) lending and consumer lending markets. Such alternative data, said the GAO, could pose risk to such lending decisions. Late last week, the U.S.

Lending 150

Lending Fintech Data Wyoming 150

Abrigo

DECEMBER 18, 2023

Critical capital Should CRE lending be off the table? Recent headlines may lead bankers to believe that shunning commercial real estate lending is the safest path to limit or avoid credit risk, given stresses on CRE and regulatory concerns. But Kirby recommended examining data and surveys used to support this idea.

Risk Management 221

Risk Management Management Lending Capital 221

Abrigo

JUNE 12, 2015

Agricultural lenders are reporting increases in non-performing farms loans and decreased farmland values, according to the latest Agricultural Lender Survey conducted by the Kansas State University Department of Agricultural Economics. Respondents’ primary service territories were throughout the U.S.,

Survey 150

Survey Kansas Kansas City Lending 150

Abrigo

SEPTEMBER 2, 2020

The PPP might have been the first time many community financial institutions saw such clear returns on digitization investments, but the same automation and efficiency gains can be found in other end-to-end lending solutions. These findings are true among all generations surveyed.

Lending 259

Lending Community San Antonio Survey 259

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

Abrigo

MAY 18, 2023

How to evaluate loan review processes based on their scope and depth A closer look at loan review can help your institution determine what steps to take to please regulators and streamline processes. As our annual loan review survey pointed out, loan review units have a severe workforce shortage at the junior and senior levels.

Lending 195

Lending Training Guidelines Policies 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

PYMNTS

JANUARY 18, 2018

Regulation has undoubtedly acted as a catalyst to major financial services trends in areas like small business (SMB) lending, faster payments and, most recently, open banking and collaboration with FinTechs. In its Global Banking Outlook 2018 survey , EY assessed 221 financial institutions across 29 markets. Optimism Up.

Regulation 156

Regulation Innovation Fintech Marketing 156

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. trillion.

Fintech 195

Fintech Lending Regulation Survey 195

Abrigo

SEPTEMBER 2, 2020

The PPP might have been the first time many community financial institutions saw such clear returns on digitization investments, but the same automation and efficiency gains can be found in other end-to-end lending solutions. These findings are true among all generations surveyed.

Lending 195

Lending Community San Antonio Survey 195

PYMNTS

DECEMBER 12, 2017

Demand for corporate finance helped propel China’s banks to new lending records in November, according to news from Reuters on Monday (Dec. An earlier survey from Reuters found analysts predicted new yuan loans in November to hit 800 billion, up from October’s figure of 663.2 Chinese banks provided $169.27 billion yuan.

Lending 100

Lending New York Regulation Survey 100

PYMNTS

SEPTEMBER 25, 2017

The Australian market is quickly becoming a hotbed of alternative lending , and new analysis from KPMG suggests it has risen up in the ranks. 22) said that a survey of 600 online alternative finance firms across the Asia Pacific found that Australia’s market grew 53 percent in the last year alone.

Lending 100

Lending Regional Analysis Survey 100

Abrigo

APRIL 12, 2023

You might also like this whitepaper: "2022 Loan Review Benchmark Survey Results." Independent loan review Lenders write numbers, independent loan reviewers review them Credit grading reviews performed by individuals independent of the lending function are preferred because they can often provide a more objective assessment of credit quality.

System 195

System Lending Risk Management Management 195

PYMNTS

AUGUST 7, 2018

Traditional institutions are picking up steam in their efforts to collaborate with alternative financiers and FinTech firms, largely viewed as a way to spin the competition into allies and upgrade their lending services without the burden of in-house R&D. The Fed’s survey — of top bank officers at 72 domestic banks and 22 U.S.

Lending 100

Lending Survey National Trends 100

Abrigo

FEBRUARY 14, 2023

Takeaway 2 The rule is aimed at tracking small business credits to enforce fair lending laws and ID and support women- and minority-owned small businesses. The regulation, expected to be finalized in weeks, outranked BSA/AML rules, beneficial ownership requirements, and current expected credit loss (CECL) obligations.

Data 195

Data Lending Compliance Resources 195

Abrigo

OCTOBER 28, 2022

Takeaway 1 Signs point to increased loan modifications and loan workouts, and regulators have urged financial institutions to work prudently with borrowers. . Meanwhile, regulators are focusing fresh attention on prudent credit risk management of loans, especially CRE, and loan modifications in general. CRE loan accommodations.

Management 195

Management Risk Management Policies Lending 195

PYMNTS

SEPTEMBER 13, 2016

As the fluctuations within the small business lending industry continue, SMEs must keep their eye on the state of the market: whether capital is available, how affordable it is and where it’s coming from. percent) of SMEs surveyed said they are investing more in their businesses this year than last year, and 91.4 What SMEs Face.

Regulation 100

Regulation Survey Lending Capital 100

PYMNTS

FEBRUARY 4, 2020

banks are anticipated to rein in criteria this year, a Federal Reserve (Fed) survey showed on Monday (Feb. The Fed’s quarterly survey of senior loan officers from 74 domestic banks and 22 U.S. She added that is nothing in the survey data that hints at an upcoming recession. Proposed changes would loosen those regulations.

Survey 131

Survey Lending Cards Regulation 131

PYMNTS

AUGUST 21, 2020

While Chinese traders are limited to the purchase of up to $50,000 of foreign currency annually, the volume suggests stablecoins could be being used to circumvent the regulation, according to Chainalysis , the New York-based provider of regulatory compliance software. But the government has cracked down on some of these methods.

cryptocurrency 349

cryptocurrency Report Regional Capital 349

Abrigo

APRIL 7, 2023

You might also like this whitepaper: "2022 Loan Review Benchmark Survey Results." Making a case for greater efficiency Loan review automation eliminates manual processes, saving time and reducing human error. Here's what to say when presenting a case for software at your institution.

Software 195

Software Lending System Risk Management 195

BankUnderground

MAY 22, 2024

Some countries restrict lending to borrowers with high debt-servicing burdens There are different metrics that measure a household’s debt-servicing burden. Some countries have regulations in place that restrict lenders’ ability to issue mortgages to borrowers that exceed certain DSR limits.

Survey 55

Survey Lending Policies Analysis 55

Abrigo

DECEMBER 1, 2021

Banks are required by regulators to have formal risk rating policies in place to determine how ratings are assigned. In a recent Abrigo survey , nearly half of survey respondents said that their institution’s loan review department reports directly to the Chief Risk Officer or Chief Credit Officer, or the board of directors.

Risk Management 195

Risk Management Lending Policies Management 195

American Banker

JUNE 29, 2016

is launching a survey this month to collect data on the small business lending practices of insured banks. WASHINGTON -- The Federal Deposit Insurance Corp.

Survey 40

Survey Lending FDIC Washington 40

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

BankUnderground

AUGUST 23, 2023

We have used the Bank’s NMG Consulting survey to reveal that BNPL borrowers are typically younger adults and renters, and are more likely to report signs of financial distress. Many BNPL products are exempt from regulation because they do not charge interest on repayments. What is BNPL? Defining exactly what BNPL is can be tricky.

Survey 89

Survey Groups Regulation Data 89

CFPB Monitor

JUNE 8, 2016

On June 9, 2016, the FTC will host a “ FinTech forum on marketplace lending ,” the first in a forum series described by the FTC as “exploring emerging financial technology and its implications for consumers.”

Lending 60

Lending Fintech California Survey 60

Chris Skinner

MARCH 6, 2017

billion cash call ‘Super equivalence’ needs new international regulator, says City Bank staff trained to spot cash scams as they take place Ireland: The forgotten frontier of Brexit Deutsche Boerse blames Britain for failed LSE tie-up: chairman in paper.

Training 177

Training Survey Lending Regulation 177

PYMNTS

APRIL 15, 2019

In his writings on shadow banking in the annual letter, he noted, too, that “growth in shadow banking has been possible because rules and regulations imposed upon banks are not necessarily imposed on these non-bank lenders, which exemplifies the risk of not having the new rules properly calibrated.”. The Question of Regulation.

Lending 175

Lending United States Survey System 175

PYMNTS

NOVEMBER 4, 2020

The How We Shop: Winning The Digital-First Shopper report, done in collaboration with PayPal, surveyed 2,029 consumers to examine the key digital innovations that merchants must offer to win digital-first shoppers across all demographics. Ant’s IPO Journey Faces Regulatory Hill — Is Lending In Crosshairs?

California 196

California Payments blockchain Lending 196

Abrigo

DECEMBER 2, 2021

Two years ago, more bankers surveyed for that report named core deposit growth as their greatest challenge than any other issue. In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them. Lending & Credit Risk. Consumer Lending. Learn More.

Conference 195

Conference San Antonio Lending Fraud 195

PYMNTS

APRIL 20, 2016

As the nation waits and drama builds over expected new guidelines from the Consumer Financial Protection Bureau on short-term lending, the government watchdog has issued a new report that indicates that the high cost of payday loans is even higher than most people think. Of that half, about a third face account closures as an outcome.

Study 100

Study Lending Guidelines Survey 100

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. percent in the past 24 months, according to a recent survey by LexisNexis.

Fintech 177

Fintech Fraud Lending Regulation 177