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Rachel Witkowski

Reporter

Rachel Witkowski is a community banking reporter at American Banker. She focuses on banks under $20 billion in assets specializing in the Southeast and California. Prior to American Banker, Rachel worked at the Jacksonville Business Journal covering banks, insurance services and public companies in Northeast Florida. During her four years at the JBJ, Rachel was recognized by several trade associations for articles related to Florida’s financial industry downfall and the hurricane insurance crisis after 2006.

Recent Stories from This Author

Affordable Housing 'Isn't a Crisis — It's a Catastrophe'
February 22, 2016 The affordable housing market has dried up in major cities across the country. In response, regulators and lenders are looking...

How CFPB's Auto Enforcement Actions Are Disrupting the Industry
February 19, 2016 Key differences in the CFPB's agreements with Toyota and Honda are making it harder for the CFPB to make systemwide changes to...

State AGs, Lawmakers Tell CFPB to Back Off on Payday Rule
February 11, 2016 State regulators and House lawmakers warned the Consumer Financial Protection Bureau not to preempt state laws when the agency...

How CFPB Reshapes Market with Enforcement Actions — Not Rules
February 1, 2016 While most federal banking regulators use enforcement actions as a way to shape industry practices, the Consumer Financial...

Why Companies Increasingly Fight Back Against the CFPB
January 25, 2016 The Consumer Financial Protection Bureau is receiving more pushback than fellow financial regulators from companies it hits...

CFPB Charges Dealer-Finance Company for 'Abusive' Ads
January 21, 2016 The Consumer Financial Protection Bureau has charged the auto dealer-finance company Herbies Auto Sales up to $800,000 for...

House Republicans Demand CFPB, DOJ Halt Payouts from Ally's Settlement
January 20, 2016 The House Financial Services Committee argues that the CFPB ignored a Justice Department request to narrow the list of...

Are the CFPB and FTC Partners or Rivals?
January 15, 2016 Overlapping missions and jurisdictions are fueling competition between the Consumer Financial Protection Bureau and the...

Credit Improves Despite Sluggish Energy Market, Fed says
January 13, 2016 Lending continues to improve overall across the Federal Reserve’s regional banks but the level of demand varies significantly...

Nonbanks to Feel Brunt of CFPB Rules in 2016
January 6, 2016 After several years of tussling with mortgage rules and their implementation, the Consumer Financial Protection Bureau is...

GAO: Dodd-Frank Is Costing Banks; How Much, We Don't Know
December 31, 2015 The Dodd-Frank Act is a burden on community banks and credit unions but regulators are struggling to quantify the costs,...

CFPB Eyeing Discrimination Claims Against Berkshire Unit
December 29, 2015 "The allegations of discrimination and predatory practices raised by the reporting are obviously very concerning to the...

CFPB Charges Debt Collection Firm $3.1M for Robo-Lawsuits
December 28, 2015 The Consumer Financial Protection Bureau is charging the law firm Frederick J. Hanna & Associates $3.1 million over...

OCC Steps Up Regulatory Role with 'Recovery Plans'
December 23, 2015 With its proposal to force big banks to deliver "recovery plans," the Office of the Comptroller of the Currency is filling a...

FDIC Charges Prepaid Card Issuer $4.3M
December 23, 2015 The Bancorp Bank in Wilmington, Del., has agreed to pay $4.3 million on charges brought by the Federal Deposit Insurance Corp....

CFPB Charges CarHop $6.5M for Credit Reporting Blunders
December 17, 2015 The Consumer Financial Protection Bureau announced Thursday that it had fined one of the largest dealer-finance companies,...

OCC Issues Proposal for Large Bank "Recovery Plan"
December 17, 2015 The Office of the Comptroller of the Currency released details Thursday of a proposal that would require large banks to submit...

CFPB Names New General Counsel
December 16, 2015 The Consumer Financial Protection Bureau said Wednesday that it has hired Mary McLeod to become the agency's new general...

'Warning Lights Are Flashing Yellow' on Credit Risk, OCC's Curry Warns
December 16, 2015 Credit risk, interest rate risk and cybersecurity concerns pose growing risks to banks in the first half of 2016, according to...

Why the OCC is Forcing Big Banks to Develop 'Recovery Plans'
December 15, 2015 The Office of the Comptroller of the Currency's unexpected move to require the largest banks to develop a "recovery plan" has...

Why Banking the Middle Class Is No Longer Profitable
Regulatory burdens (particularly the Durbin interchange cap), stubbornly low interest rates and a slow, expensive transition from branch to digital banking mean only the wealthy and the desperate are attractive customers, says Todd Baker of Broadmoor Consulting.
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