Capital One, Discover and American Express all boosted their loss provisions in the third quarter. But there are also reasons to think the credit environment remains relatively benign.

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Capital One and Regions Financial are downplaying their interest in partnering with peer-to-peer lenders because of concerns about the risks associated with them.

John Allison, the former chief executive of BB&T, has written another book, this time offering his free-market prescription for producing better leaders in America.

Most of the securitized single-family market is currently exempt, but only a tiny part of the commercial equivalent is. However, nonexempt commercial will get more expensive to issue, and the single-family exemption could change.

Richard Davis, the head of U.S. Bancorp, is generally known for conservative, reliable guidance, but he is sticking by his rosy forecast for 2015 despite an economy with a lot of question marks and his bank's flat third-quarter performance.
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The payments company and big-bank trade group plans to create a ubiquitous, real-time payment system over the coming years, supplementing the push for same-day settlement of ACH transactions.
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Executives at regional banks around the country have reported a wide variation in quarterly loan growth (some good, some not) as economic volatility, heavy competition and new regulatory requirements present obstacles.

The credit card company said the changes will likely lead to a fourth-quarter charge of up to $185 million, and its share price tumbled.

New York banking regulator Benjamin Lawsky's latest crackdown on Ocwen Financial may undo Ocwen's deal to buy billions of dollars of mortgage-servicing rights from Wells Fargo, and it could complicate similar deals involving other banks and servicers.
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The recent drop in interest rates has opened the door for lenders to refinance borrowers with high-cost Federal Housing Administration loans into conventional Fannie Mae and Freddie Mac loans.

The GSE regulator's second attempt to stimulate the mortgage market is receiving a lukewarm reception from lenders, who remain gun-shy after being forced by Fannie and Freddie to repurchase billions of dollars in soured loans since 2008.
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