Banks have made progress cutting their exposure to risky home equity lines of credit, ahead of a key 10-year threshold when billions of dollars of them will reset to higher monthly payments. But there are some prominent exceptions, especially among regional banks.

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In yet another revision of its mortgage rules, the Consumer Financial Protection Bureau proposed making it easier for small and rural lenders to make "qualified mortgages." Industry representatives said the changes are poised to make a big difference.  more »
Purveyors of certain cloud services, such as cloud-based lending, face continual rejection from bankers worried about security. But some say a data storage specialist could be every bit as secure as a financial institution — if not moreso.  more »
Banks like Cullen/Frost and BOK Financial say they have found one, in the form of higher energy-sector loan balances last quarter and the chance to finance consolidation among oil firms. But such spurts may only mask longer-term problems.  read more »
Marketplace lenders are seizing on current investor enthusiasm after the December public listing of LendingClub. SoFi and Funding Circle have set new origination targets, and new capital markets deals may help replace bank credit lines for Blue Elephant Capital Management and perhaps others.  read more »
FinTech Forward
Banks partnering with prepaid card providers face the potential of higher deposit insurance fees and other ramifications from the Federal Deposit Insurance Corp. classifying accounts as "brokered."  read more »
Sun Bancorp's CEO made a bold forecast, telling analysts this week that the company should be profitable throughout the year. Not bad for a bank that has lost $350 million since 2008  read more »
SimpleFi is working with a New Jersey bank to pitch its payday loan alternative and financial educational services to employers across the country come February 1. It represents part of the trend of disruptors rethinking payroll data.  read more »
From the brain drain to cyber threats, the revenue squeeze to regulatory pressure, the challenges banks face are absolutely daunting. But we're here to help with some interesting ideas for thwarting hackers, winning new customers and making more money. Get ready for a busy year.  read more »
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