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.

Maybe disruptors, not bankers, are the ones who need to worry about an abrupt paradigm shift. Though many bankers fear having fintech startups pick off the most profitable parts of their business, history suggests this "unbundling" of banks is a recurring, temporary phenomenon that is generally followed by a period of "rebundling."

Some lenders have asked whether the bureau would adjust its so-called resubmission guidelines — which determine whether lenders have to refile data based on errors found in samples — and it has responded with a request for further industry input.

The Federal Reserve's interest rate increase has commercial real estate debt and equity financing players even more upbeat about their prospects in 2016.

Bank of Oak Ridge in Oak Ridge, N.C., has a successor for its departing president and chief executive.

Mascoma Savings Bank in Lebanon, N.H., is looking for a new chief executive.

Joseph Chillura, CEO of the $3.5 billion-asset USAmeriBank, runs a privately held company that should be an ideal candidate for industry consolidation. While trying to keep an open mind, Chillura seems intent on staying on the sidelines as other Florida banks strike deals.

A number of community banks, eager to make inroads with underbanked clients, are looking to offer employer-sponsored payroll loans.

The FTC on Thursday announced it has stopped illegal debt collection tactics of several debt collection operations. The crackdown includes four cases highlighted in Collections & Credit Risk. The FTC issued a statement about the cases to point out the success of Operation Collection Protection.

NCUA on Tuesday said it is partnering with the Missouri Division of Credit Unions and the Mississippi Department of Banking and Consumer Finance to work with federally insured credit unions affected by the recent severe storms and flooding in the two waterlogged states.