Retail & Commercial

American Banker readers share their views on the most pressing banking topics of the week. Comments are excerpted from reader response sections of AmericanBanker.com articles and our social media platforms.

A number of small banks have disclosed material weaknesses in loan-loss accounting and other procedures. Reasons vary, but a common thread appears to be that accounting firms are facing pressure to beef up their scrutiny of internal controls in financial services.

By relying heavily on where a borrower went to college, online lenders may run afoul with regulators and could be missing out on good credits.

Seniors typically have stellar credit and can be a good source of deposits in a rising rate environment.

Yolande Piazza has been serving in the role on an interim basis since Heather Cox left for USAA.

Koger Propst was also named CEO of the company's $2.6 billion-asset ANB Bank.

A recent trip to the branch reveals how even the oldest channel fails to understand, let alone solve, customer problems.

Equifax has introduced a software product that is said to give lenders instant access to a wide range of consumer data in a single platform, a long-term goal of many data providers.

Instant card issuance is an older technology, but it's tailor made for the digital and mobile world, where instant gratification is key.

The tiny Flagship Bank has made an unusual bet in agreeing to pay 20 times current capital to buy BankMobile, but the same Durbin amendment that prompted Customers Bancorp to sell the unit also made Flagship the ideal buyer.