Heartland Financial (HTLF) in Dubuque, Iowa, missed Wall Street's quarterly earnings estimates after its loan-loss provision rose and revenue from loan sales fell.

Fifty-three percent of respondents to an online poll by the National Foundation for Credit Counseling have never noticed the phone number directing them to a credit counseling agency that's listed on their credit card statement.

Sen. Elizabeth Warren weighed in publicly for the first time on the substance of the housing finance reform debate on Tuesday, endorsing a limited but explicit government guarantee, strong underwriting rules and servicer oversight, and secondary market access for smaller institutions.

The Mortgage Bankers Association on Tuesday said it expects residential mortgage originations to drop 32% next year, to $1.2 trillion, due to a continued decline in refinancing activity.

Berkshire Hills Bancorp (BHLB) in Pittsfield, Mass., recorded a decline in quarterly earnings despite improvement in its interest margin.

United Bankshares (UBSI) in Charleston, W. Va., posted higher quarterly earnings due largely to reduced expenses.

Mobile banking can alleviate friction and save time for underserved, low-income consumers, but face-to-face interaction is critical to serving their financial needs.

It should be a human resources department’s responsibility to spot poor leadership qualities, flawed compensation programs and workforces ill equipped to handle a crisis.

Lax oversight by the Treasury Department has helped to prevent billions of dollars in aid from reaching struggling homeowners, according to a report released Tuesday by the Special Inspector General for the Troubled Asset Relief Program.

The $12.8 billion-asset company plans to offer $50 million of common stock and up to $100 million of perpetual preferred stock, it announced Monday.

Sendhil Mullainathan says he had no involvement in the consumer bureau's decision to award a consulting contract to a firm he co-founded.

Sendhil Mullainathan, the former head of research at the Consumer Financial Protection Bureau, speaks in an interview about when it's appropriate, and when it's not, for the government to try to influence consumer behavior.

JPMorgan Chase (JPM) has named former U.S. Bancorp executive Michael Boardman as the head of its wealth management business.

A Federal Reserve study has added new urgency to mortgage lenders' search for a way to navigate between the qualified mortgage rule and fair lending statutes. American Banker staffers discuss.

CFPB Director Richard Cordray said Tuesday that some lenders' concerns about meeting the deadline for new mortgage rules are warranted but not their fears over legal protections in complying with the regulations.

The Federal Deposit Insurance Corp. took action against 10 banks in September and released 13 from enforcement actions.

Chemical Financial Corp. (CHFC) in Midland, Mich., said Monday that its third-quarter earnings rose 14% from the same quarter last year, to $15 million, thanks largely to revenue gains generated by its acquisition of 21 Independent Bank (IBCP) branches in December 2012.

Industry observers are bracing to see whether the cost of international wire transfers will skyrocket once a new Consumer Financial Protection Bureau rule goes into effect starting today.

Carrollton Bancorp in Lutherville, Md., is changing its name to Bay Bancorp.

LCNB Corp. (LCNB) in Lebanon, Ohio, has agreed to buy Eaton National Bank & Trust in Eaton, Ohio, for $24.8 million in cash.