Abrigo
MARCH 31, 2025
This article covers these key topics: The importance of well-crafted credit memos Effective credit memos are clear Concise credit memos speed decisions Focus on providing relevant repayment and credit risk info Best practices for writing a credit memo Done right, a credit memo supports sound credit decisions and tells a clear, fact-based story that stands up to scrutiny months or years later.
Payments Dive
MARCH 31, 2025
The buy now, pay later industry sued to block the consumer-friendly rule, arguing that the services are not the same as those offered via credit cards.
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Payments Dive
MARCH 26, 2025
The agency’s new leadership believes it can settle a 2024 lawsuit banks and business groups filed over an $8 cap on credit card late fees.
TheGuardian
MARCH 29, 2025
Fears of a 44bn compensation bill over dealer commissions has prompted a high-profile appeal, which will be heard this week British lenders are heading to the supreme court this week as they try to overturn a ruling that has propelled the car finance scandal to new heights, triggering government intervention and prompting fears of a 44bn compensation bill.
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Gonzobanker
MARCH 27, 2025
Bankers need to prove they can self-regulate to support the trust they need to stay relevant. Bankers nationwide risk getting overly boastful with all the enthusiastic high-fiving around the water cooler, celebrating the expected death of the Consumer Financial Protection Bureau. No more TRID! Adios to the Qualified Mortgage Rule! Dust off that resume, all you lovely enforcement officers.
Community Banking Brief brings together the best content for Community Banking professionals from the widest variety of industry thought leaders.
Abrigo
MARCH 27, 2025
Document and be able to defend qualitative factors under CECL Financial institutions need to be able to explain and show how they developed Q factors for their allowance for credit losses. Modifications to the CECL calculation should be reasonable, supportable, and audit-ready. Key topics covered in this post: What are qualitative factors under CECL?
TheGuardian
MARCH 31, 2025
A haul of items seized by police reveals the scale and threat of payment fraud a crime that can have significant emotional impact on victims On a shelf between Alexander McQueen shoes, Louis Vuitton handbags and Versace heels in the police evidence room are an 18-inch machete and a serrated zombie knife. Alongside the expensive fashions bought with the proceeds of serious fraud are the tools needed to achieve it, says DCI Paul Curtis.
BankUnderground
MARCH 27, 2025
Dooho Shin and Rebecca Mari The Bank of England Agenda for Research (BEAR) sets the key areas for new research at the Bank over the coming years. This post is an example of issues considered under the Financial System Theme which focuses on the shifting landscape and new risks confronting financial policymakers. Carbon pricing has emerged as one of the main mitigation measures adopted around the world to fight climate change.
ABA Community Banking
MARCH 28, 2025
Banking regulators announced they intend to rescind the 2023 Community Reinvestment Act final rule in light of pending litigation. They will instead reinstate the CRA framework that was in place before the rule. The post Banking regulators to rescind 2023 Community Reinvestment Act rule appeared first on ABA Banking Journal.
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AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.
William Mills
MARCH 26, 2025
Earlier this month, the WMA team had the pleasure of attending the Independent Community Bankers of Americas (ICBA) annual event: ICBA LIVE 2025. Hosted in Nashville, Tennessee at the massive Gaylord Opryland Resort & Convention Center, the conference was buzzing with excitement about the newest banking and fintech innovations and catching up with industry friends and clients.
Payments Dive
MARCH 31, 2025
Walmart makes up a relatively small portion of Affirm’s business that the buy now, pay later company can make up elsewhere, Chief Operating Officer Michael Linford said.
TheGuardian
MARCH 27, 2025
Brian Unwin highlights just how much long-term financing has been lost through leaving the EU. But Fawzi Ibrahim says sovereignty is priceless Polly Toynbee ( Rachel Reeves is all about growth. So why wont she admit that Brexit is its worst enemy?, 25 March ) demonstrates conclusively how much self-inflicted economic damage the UK is suffering from Brexit.
Jack Henry
MARCH 31, 2025
Fraud is evolving at an unprecedented pace, and community banks and credit unions are increasingly finding themselves in the crosshairs of bad actors. While some fraud schemes are executed by sophisticated and well-organized criminal operations, many are carried out by individuals (or small groups) using readily available tools and tactics.
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PopularBank
MARCH 28, 2025
If you get a tax refund instead of owing money on your taxes, it can be tempting to spend this money. While theres nothing wrong with splurging a little, these extra funds have the power to relieve some of your financial burdens and potentially earn you more disposable income over time. The reward of financial stability means you can treat yourselfnow and in the future.
The Emmerich Group
MARCH 27, 2025
What if you can use extreme differentiation to get 150 basis points or more on the loan side and improve your deposit pricing at the same time? If you’re the kind of leader who feels strongly that you cant follow the herd and believes that net interest margin compression is inevitable, you’re going to love this. Or if you have some lenders who get premium pricing but are frustrated that others still fall back to rate matching, you’ll want to watch this.
Payments Dive
MARCH 31, 2025
Michael Shepherd will remain as interim chief executive officer potentially through June, and receive a $2.4 million cash bonus if the sale to Capital One closes by then.
TheGuardian
MARCH 29, 2025
Despite attempts to discredit him, Ahsan Mansur is determined to trace his targets with the UKs help Diminutive and softly spoken, Dr Ahsan Mansur does not project the image of a man able to strike fear into the hearts of hardened kleptocrats. Yet Bangladeshs central bank governor has rattled someone powerful, if the events of recent days are anything to go by.
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Automation is changing the game for commercial lenders, offering a clear path to competitive advantage in 2025. Rising costs, outdated workflows, and manual data entry slow growth and impact borrower satisfaction. Automation addresses these challenges, reducing costs, speeding up loan cycles, improving accuracy, and elevating borrower experiences. With market uncertainty easing, now is the time to act—waiting until loan volumes rebound leaves lenders unprepared and struggling to compete.
American Banker
MARCH 28, 2025
The mid-year fee hike was necessary to reverse a revenue shortfall in the agency's 7(a) program, according to Administrator Kelly Loeffler.
ABA Community Banking
APRIL 1, 2025
Banks are uniquely positioned to jumpstart a positive societal impact and improve the financial health of their communities. The post Three steps banks can take to reverse the financial illiteracy crisis appeared first on ABA Banking Journal.
ATM Marketplace
MARCH 26, 2025
'a2m active' and 'a2m passive' from Secure Innovation were put to the test with National Police in live ATM attack explosive testing with both solid and gas explosives.
Payments Dive
MARCH 27, 2025
The state joins a pack of others that have passed industry-friendly laws seeking to oversee earned wage access providers and their services.
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Remote Deposit Capture (RDC) clients are more likely to use additional treasury services and maintain larger deposits. However, poor customer experiences—particularly if they delay deposits—can compel RDC clients to take their business elsewhere. This eBook makes the case for outsourcing RDC operations to a proven managed services partner. This approach helps Treasury Departments with limited resources provide excellent client experiences that result in higher retention and productivity rates.
TheGuardian
APRIL 1, 2025
Financial Conduct Authority tells supreme court the 44bn bill could spook businesses and threaten UK investment A court of appeal ruling that has left lenders fearing PPI-level compensation bills over the motor finance commission scandal goes too far, the City regulator said on Monday. The Financial Conduct Authority (FCA) made the comments in a written submission to the supreme court on Tuesday, as part of a high-profile case being closely watched by the government.
American Banker
MARCH 28, 2025
A group of states are pursuing similar efforts to cap credit card interchange fees, endangering rewards programs that customers value and raising concerns about an illegal interstate compact.
The Paypers
APRIL 1, 2025
Alkami , a US-based provider of cloud-based digital banking solutions, has released research findings on fraud prevention and consumers' perceptions of data protection.
ABA Community Banking
APRIL 2, 2025
ABA joined four banking and housing lender associations in urging lawmakers to allocate at least $324 million for the CDFI Fund in the coming fiscal year. The post ABA, associations urge lawmakers to continue support for CDFI Fund appeared first on ABA Banking Journal.
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