Capital

Well, something has to. For proponents of modernization and greater efficiency in the syndicated loan, bond, swaps, and private placement markets, it's well past time to put investors, banks, brokers and borrowers on the same technological page.

Yes, all the big banks are paring their balance sheets to comply with new rules and axing expenses to please shareholders, but JPMorgan is simultaneously targeting affluent cities for branch and deposit growth.

It is time for institutions to act independently of the Federal Reserve and raise their loan interest rates to improve returns.

CCB Bankshares in South Hill, Va., has raised $3.5 million in a private placement of debt and will use some of the money to exit the Small Business Lending Fund.

Centrue Financial in Ottawa, Ill., has been released from an enforcement action that had prohibited the company from paying dividends without regulatory approval.

The Federal Housing Administration will continue to charge borrowers an annual premium over the entire life of the loan, rejecting calls from some housing advocates to change how it’s calculated.

Should companies that manage collateralized loan obligations but don't originate the loans be subject to Dodd-Frank's risk-retention rules for securitizations?

First Resource Bank in Exton, Pa., has received federal regulatory approval to exit the Small Business Lending Fund program.

Horizon Bancorp in Michigan City, Ind., has exited the Small Business Lending Fund program.

The near future may find more banks ceasing to originate residential mortgages in an effort to stop the slide in stock prices.