Why it's so hard to sell banks on small-dollar lending

While industry officials welcomed a bulletin from the Office of the Comptroller of the Currency encouraging banks to develop alternatives to payday loans, they are making no commitments to offer such products.

Article Underwriting self-employed borrowers

Freddie Mac helps lenders to better serve this expanding market segment

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Fintech April 17
Banks see telecommuting as chance to gain recruiting edge

A competitive job market and improved security protocols are pushing more banks to consider letting employees work remotely.

Community banking Hilary Burns May 24
9 provisions of reg relief law important to small banks

As President Trump signed the regulatory relief bill into law on Thursday, most of the attention is on a provision to help regional banks with more than $50 billion of assets. But a majority of the new law is aimed at helping institutions below $10 billion. Here's how.

Regulatory relief Rob Blackwell May 24
Bankshot Big banks may pay political cost of reg relief despite gaining little

Though the regulatory relief law easing the Dodd-Frank Act does little to help the biggest banks, it is still fueling progressive Democrats' anger at Wall Street. That will matter when Democrats eventually retake power.

Regulatory reform Rob Blackwell May 24

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Decentralization remains central to Heartland's strategy

CEO Bruce Lee believes a multicharter model, which many other banks have scrapped, gives the Iowa company an edge in smaller markets.

Community banking Hilary Burns 1m ago

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How Wells Fargo is exploring the future of digital banking

Shari Van Cleave, head of Wells Fargo Digital Labs, says the bank is experimenting with artificial intelligence and augmented reality to create new ways to present data to customers.

Artificial intelligence Nathan DiCamillo 24m ago

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Article In the Wake of Equifax, a Call to Share More Data not Less

When Equifax disclosed its enormous data breach that exposed the personal information of some 143 million people, the reaction of many consumers and corporate executives was similar and familiar: our data is at risk at all times and the less access we give to others the better. But that's precisely the wrong lesson.

Banking October 18, 2017

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Banking October 18, 2017
Groups aims to open first post-crisis bank in Arizona

Organizers of Scottsdale Community Bank plan to raise a minimum of $16 million.

Community banking Paul Davis 1h ago

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Morning Scan Bank dereg bill just the start; pushing retailers’ button

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Morning scan George Yacik 3h ago

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'Naughty banks for trying to make a profit': Comments of the week

Readers celebrate first quarter earnings, weigh in on banks using blockchain, slam a postal banking proposal and more.

HMDA Mary Wisniewski May 24

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Blend adds Ellie Mae integration for digital mortgage disclosures

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Digital mortgages Elina Tarkazikis May 24

Digital mortgages Elina Tarkazikis May 24

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Multimedia

'Naughty banks for trying to make a profit': Comments of the week

Readers celebrate first quarter earnings, weigh in on banks using blockchain, slam a postal banking proposal and more.

9 provisions of reg relief law important to small banks

As President Trump signed the regulatory relief bill into law on Thursday, most of the attention was on a provision to help regional banks with more than $50 billion of assets. But a majority of the new law is aimed at helping institutions below $10 billion. Here's how.

Podcast How to recognize the banks that can survive the fintech threat

Moody’s lead analyst Fadi Massih shares what he looks for when deciding how to rate banks, including traits that could help them withstand fintech competition.

Reg relief's done. What's next for banks?

The Senate bill is a huge win for the banking industry, but there are still plenty of unresolved legislative issues of interest to financial institutions.

BankThink

Savings accounts need an overhaul

Kristen Berman
Co-Founder
Common Cents Lab

Banks can help encourage customers to save more by restructuring their accounts.

Digital banking 1h ago
Big banks may pay political cost of reg relief despite gaining little

Rob Blackwell
Editor-in-Chief
American Banker

Though the regulatory relief law easing the Dodd-Frank Act does little to help the biggest banks, it is still fueling progressive Democrats' anger at Wall Street. That will matter when Democrats eventually retake power.

Regulatory reform May 24
To improve data sharing, borrow from Europe

Bob Miller
CEO and Vice Chairman
Private Client Resources

New European Union privacy rules could serve as a guide for U.S. banks.

Customer data May 24
Get ready for some big bank deals

Paul Davis

A recent wave of high-premium acquisitions, paired with sweeping regulatory reform, is setting the stage for more large-scale M&A.

Community banking May 23

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Research

Research Report Regulation and Policy: What to Watch for in 2018

Inside, a look at the state of policy play on a range of key industry issues that may impact 2018 midterm elections.

Regulatory actions and programs December 29, 2017
Research Report FinTech2018: AI, Blockchain, and the Cloud

Technology spending at banks is set to climb again in 2018 with budget growth at small banks exceeding that of large banks.

Fintech December 22, 2017
Research Report Deposit Costs: How Long Can Banks Hold Out?

Technology has made it is easier than ever for customers to migrate their funds, which means the battle for highly-valued core deposits is likely to heat up.

Deposits October 30, 2017
Research Report GSE Reform: Bracing for a New Normal

There is broad agreement among bank executives that a future without Fannie Mae and Freddie Mac would mean tighter credit, higher rates and lower volume.

September 28, 2017

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Resources

Web Seminar Platform economics disrupt banking – Here’s what to do about it

As banks embark on journeys of digital transformation, the efforts at many firms are too chaotic and slow moving to yield quick results.

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Web Seminar Top 5 trends in digital identity verification

Digital customer acquisition has quickly become a top priority for retail financial institutions.

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Identity verification
Web Seminar Beyond CECL: Aligning your business strategies

The transition to CECL is fast approaching. Many firms are well underway in establishing the necessary frameworks to comply with the new accounting standard.

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CECL
Web Seminar Standardizing regulatory reporting processes through Tableau powered dashboards

Join a discussion and demo with Accenture’s Finance & Risk team on how they are helping their clients use Tableau to visually measure, monitor and execute complex business processes such as Regulatory Reporting

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