The shift in refi behavior — in the wake of multiple Federal Reserve interest rate hikes — helped fuel a loan growth trend that's expected to continue through year-end.

In this month's roundup of American Banker's favorite stories: JPMorgan Chase moves third parties away from screen scraping, Wells Fargo launches its new virtual assistant, bank CEOs predict a return to office within the next three years and more.

Delinquencies are on the rise for FHA-backed loans, with nearly 10% of low-credit borrowers in early payment default. Economists and policy experts say this could signal trouble ahead for other credit products.

Some of the U.K.'s biggest high street banks are bracing themselves for trouble.

High-net-worth clients with large policies borrow, on average, $500,000 to $800,000 to pay their premiums. Peapack-Gladstone predicts the product, which it launched this month, will be one of its top business lines within six years.

Truliant Federal Credit Union plans to build three more locations in the northwest corner of South Carolina by the end of next year. The $4 billion-asset credit union also recently opened a regional office in Greenville, South Carolina.

The San Antonio bank reported higher deposit costs, along with larger deposit volumes, during the third quarter.

Kristin Lemkau, CEO of J.P. Morgan Wealth Management, discussed the launch of the company's Personal Advisors hybrid advisory channel and the challenges of managing and recruiting talent at American Banker's Most Powerful Women in Banking conference.

The credit card issuer is still dealing with the effects of a technical glitch in July that affected customer payment rates. But card sales rose in the most recent quarter, and the company is bullish about its positioning in the buy now/pay later market.

Traditional banks are focusing on wealth management services in the next wave of digitization as retail banking returns weaken amid a proliferation of online consumer platforms.

The mobile service provider is offering many standard digital banking features alongside payments to Mexico. One expert is skeptical it will stand out.

Republic Bancorp said it would pay $51 million in cash for CBank and its subsidiary Commercial Industrial Finance.

Strong commodity prices and jumps in energy production fuel the Oklahoma bank's upbeat outlook for continued loan demand, despite inflationary pressures and high interest rates.

Masons Financial will make it easier for lodges to collect dues and for members to pool money for charity.

New Consumer Financial Protection Bureau guidelines say overdraft fees "that a consumer would not reasonably anticipate" could be illegal. President Biden and CFPB Director Rohit Chopra promoted them at a press briefing Wednesday.

Banco Santander said rising costs linked to inflation could leave it short of its efficiency goal for the year while worsening credit quality trends in Brazil were also in focus, even as the lender's earnings beat analysts' expectations.

Barclays plans to hire more than 1,000 staff in the coming weeks to help consumers manage their finances through the looming downturn, according to its CEO.

New developments in the banking app space include apps for Gen Z bankers and the relaunch of Google Wallet.

Inflated home values were already making homeownership unattainable for millions of Americans; now it's interest rates. To change this dynamic, we need some creative thinking.