Federal regulators have proposed the first capital rules in a decade, slashing the cost for banks to hold mortgages on their balance sheet. The capital relief is massive, but it doesn't give banks the operational capacity to compete with lenders who have spent the last decade getting faster, cheaper, and increasingly digital.
Banks are at an inflection point. They must decide how to capitalize on the opportunity. Banks likely can't rebuild the operational home equity framework in a quarter or two. Capital relief is an empty victory if you lack the modern operational capacity to deploy it. This is where partner-branded lending changes the calculation.
Download this whitepaper to see how banks can answer the following questions:
- What is this operational gap costing you in customer attrition?
- Is it possible to build competitive infrastructure in-house quickly?
- What could the ideal partner-branded model look like for you?