PYMNTS

FEBRUARY 2, 2020

A proposed change to a post-financial crisis rule could shake things up for banks, making it easier for them to invest in or sponsor venture capital funds, The New York Times reported. But now, new proposed changes would loosen those regulations. The Federal Reserve unveiled the proposal Thursday along with other banking agencies.

Capital 142

Capital Regulation New York Report 142

PYMNTS

SEPTEMBER 4, 2020

Since January, the European Central Bank (ECB), which oversees the biggest European Union lenders, has eased regulations to encourage mergers and reduced the capital requirements for such transactions, the news service reported. The reason is not hard to understand. and Asian rivals.

New York 188

New York Regulation Customer Experience Report 188

TheGuardian

SEPTEMBER 12, 2024

The regulator said it had made “substantial changes” to earlier proposals, meaning UK banks would not have to set aside as much money for capital buffers as previously planned. Capital buffers provide a financial cushion against risky lending and investments on bank balance sheets. Continue reading.

Capital 79

Capital Lending Regulation System 79

Abrigo

MARCH 6, 2015

Thursday also served as a preview for their shareholders of what’s to come next Wednesday, when the Fed announces whether it has approved of each bank’s plans to return some of the reserved capital to shareholders, following the positive results. Stress testing is a critical risk management technique that deserves bolstering.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Abrigo

FEBRUARY 14, 2024

You might also like this podcast, "How to sleep easier at night about your capital and risk levels." For example, during the 2008 Subprime Mortgage Crisis, commercial real estate prices fell drastically by 30 percent year over year. Some of these stressors include interest and vacancy rates or a decline in collateral values.

Risk Management 195

Risk Management Management Lending Capital 195

BankUnderground

SEPTEMBER 8, 2022

The probability of an extreme stress event with losses above £91 billion (roughly 19% of CET1 capital) increased from 1% before the pandemic to 4.1% Developing policies that reduce the build-up of systemic risk and preserve the stability of the financial system is an increasingly relevant task for regulators worldwide. in 2021 Q4.

Capital 125

Capital System Policies Data 125

PYMNTS

JANUARY 31, 2021

The chaos resulted in a severe drubbing for some of the larger Wall Street hedge funds, including Melvin Capital , which took a hit of 53 percent after retail investors drove up stocks that it had bet against. Melvin Capital did receive an infusion of fresh cash from investors in the final days of January.

social media 169

social media Capital Study Retail 169

BankUnderground

DECEMBER 8, 2021

Reforms following the 2008 financial crisis have led to significant increases in banks’ capital requirements. Profitability determines the opportunity cost of shrinking assets, and underpins the ability to generate capital. Tirupam Goel, Ulf Lewrick and Aakriti Mathur. This is true for the G-SIB framework as well.

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Regulation Analysis Capital System 125

PYMNTS

APRIL 30, 2020

The European Central Bank has cautioned banks to be flexible when applying accounting standards, as the region is one where companies depend more on bank lending than on capital markets for funds. firms, along with Spain’s Banco Santander , led the pack in Europe. Many European banks have reduced lending to oil and gas companies, though.

Lending 188

Lending Comparison Regional Capital 188

PYMNTS

SEPTEMBER 13, 2016

As the fluctuations within the small business lending industry continue, SMEs must keep their eye on the state of the market: whether capital is available, how affordable it is and where it’s coming from. But according to the report, small businesses do have some concerns about regulation. Specifically, 28.7 ”

Regulation 100

Regulation Survey Lending Capital 100

PYMNTS

OCTOBER 9, 2018

The alternative finance boom post-2008 financial crisis undoubtedly provided more options for small business (SMB) borrowers, but that doesn’t mean the industry is guaranteed to become a staple among entrepreneurs seeking financing. In the U.S., It’s on this business model that alternative finance in the U.K. In the U.S.,

National 167

National Regulation Capital Industry 167

Abrigo

FEBRUARY 11, 2022

Earlier this month, the FASB considered and rejected further deferral of the CECL standard, initially issued in 2016 in response to the 2008 global financial crisis. 2 FASB meeting were the complexity of some aspects of CECL, “onerous data collection” requirements, and capital implications. CECL Regulation. CECL Regulation.

Resources 195

Resources Regulation Community Bank Community 195

Abrigo

DECEMBER 22, 2023

Abrigo's most popular risk management blogs over the last 12 months cover topics that continue to catch the attention of professionals and regulators. Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions.

Risk Management 221

Risk Management Regulation Management Lending 221

PYMNTS

AUGUST 21, 2020

The move “will enable it to capitalize on the accelerating transition of millions of bank customers from branch-based activity to digital services during the COVID-19 pandemic,” the news outlet said. financial regulator Clive Adamson, the report said. JPMorgan Chase would not comment, according to the news outlet.

Report 173

Report Digital Banking Technology Lending 173

PYMNTS

AUGUST 25, 2016

Though small businesses have suffered from a gap in financing availability post-2008, the demographic continues to shape the financial markets. But Clearinghouse CDFI can also offer interesting insight into the state of regulation of small business lending and how greater oversight may impact the SMEs that prop up their local communities.

Regulation 100

Regulation Lending Community California 100

PYMNTS

MAY 22, 2018

A bill that would give regional banks a break on regulation was before the U.S. The bill also gives regulators more discretion in deciding when to require stress tests of capital adequacy for banks with between $100 billion and $250 billion in assets in the event of another crisis,” according to a summary of the bill in MarketWatch.

Regulation 100

Regulation Regional Innovation Community 100

Abrigo

NOVEMBER 8, 2019

Top down and bottom up analysis can inform capital assessments. Some financial institutions may view stress testing as a “check the box” practice to satisfy regulators, but others are making the most out of the process. Stress testing and capital adequacy. Stress testing and risk management.

Lending 150

Lending Risk Management Analysis Capital 150

PYMNTS

JULY 31, 2020

Department of the Treasury that charters and regulates financial institutions. government, joining just a few recipients since the 2008 financial crisis, Bloomberg News reported. On Friday (July 31), the Office of the Comptroller of the Currency (OCC) announced Varo Bank has been granted its full-service national bank charter.

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National Fintech San Francisco Connecticut 172

PYMNTS

NOVEMBER 5, 2018

Roughly a decade on, is it time to remove some of the rules governing the financial sector that took shape in the aftermath of the Financial Crisis of 2008? The banks that are affected have $100 billion to $700 billion in assets, a tier that includes companies such as Capital One and U.S.

Regulation 128

Regulation Guidelines New York Groups 128

American Banker

OCTOBER 9, 2023

The Federal Reserve's top regulator cited the financial crisis of 2008 repeatedly in a speech about the merits of new risk-capital standards — proposals that have drawn unprecedented fire from banking trade groups and members of Congress.

Capital 60

Capital Regulation Groups Policies 60

TheGuardian

MARCH 17, 2023

Eight years ago, when the bank’s CEO, Greg Becker, personally pressed Congress to exempt SVB from post-2008 financial reform rules, he cited its “low risk profile” and role supporting “job-creating companies in the innovation economy”.

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social media Regulation Capital Innovation 75

PYMNTS

MAY 31, 2019

The 2008 financial crisis gave rise to the alternative lending market as a result of a massive gap in available capital, especially for small businesses and startups. Alternative finance , for instance, also filled the need for small business borrowers to obtain a faster, digital way to access capital.

Lending 130

Lending Regulation Capital Industry 130

Independent Banker

JUNE 30, 2022

It’s like throwing a rock into a pond when you’re dealing with credit quality issues: The ripple effects are real, leading to issues in all areas of CAMELS (capital adequacy, asset quality, management, earnings, liquidity and sensitivity). This experience also firmly shaped how we work with regulators.

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Community Bank Community Lending Training 171

BankUnderground

FEBRUARY 16, 2021

Following the 2007/2008 global financial crisis, international regulators introduced a package of new banking regulations, known as Basel III. This includes a wider range of capital and liquidity requirements to protect banks from different risks. Bank failures are very costly for society.

Regulation 109

Regulation Capital Examples Policies 109

Abrigo

APRIL 19, 2022

Owners and guarantors may be sources of business capital, but in down economies they become users of business cash flow, depending on their personal and other business obligations. Linda Heath, president of Financial Holographix 1, emphasizes the importance of thinking “net” cash flow.

Analysis 195

Analysis Taxes Lending Examples 195

PYMNTS

FEBRUARY 3, 2019

Australia’s competition regulator is going after the banking industry in the country, vowing to punish what it claims is misconduct, reported The Financial Times. He noted that regulators shouldn’t have allowed Westpac to merge with St George Bank back in 2008, reported The Financial Times.

Regulation 101

Regulation Fintech Study Industry 101

PYMNTS

FEBRUARY 9, 2019

Twelve percent of small businesses surveyed by Wells Fargo said the biggest lesson they learned since the 2008 financial crisis was to monitor cash flow. Wells’ small business survey also found that 19 percent of SMB owners learned to be more frugal and manage capital, while 9 percent said their biggest lesson was “good planning.”

Survey 158

Survey Capital Management Taxes 158

CFPB Monitor

MARCH 30, 2020

The Coronavirus Aid, Relief, and Economic Security Act (CARES Act) includes the following key provisions that affect financial institutions and regulation of financial institutions: Section 4003 – Emergency Relief and Taxpayer Provisions. This section provides that Section 131 of the Emergency Economic Stabilization Act of 2008 (12 U.S.C.

Regulation 122

Regulation United States Community Bank National 122

BankUnderground

AUGUST 10, 2021

Do prudential regulations that work well for big banks work as well for small ones? This provides evidence that an efficient set of regulations for large banks might not be as efficient for small ones. Regulators would then need to think about whether a different set of regulatory requirements would be better for small banks.

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Regulation Capital Policies US 137

PYMNTS

MARCH 27, 2019

While regulators had transparency and financial security in mind when introducing more stringent requirements for banks following the global financial crisis, financial institutions faced a sudden surge in the burden compliance. Verboven pointed to Know Your Customer regulations as a particularly bright spot in the opportunity of compliance.

Compliance 116

Compliance Data Regulation Analytics 116

Abrigo

AUGUST 6, 2015

The debate between fair value and historical cost accounting is a hot topic for academics, regulators and investors. Influence of capital markets Businesses not actively involved in capital markets may be cautious in their approach to fair value accounting.

Comparison 150

Comparison Capital Marketing Chicago 150

PYMNTS

JULY 17, 2019

Financial institutions are in a constant balancing act: open up access to capital for borrowers to promote economic growth and financial inclusion and mitigate against the risk exposure lending produces — sometimes with disastrous implications for the global economy. According to Price, data is at the heart of all of these balancing acts.

Data 130

Data Management Analytics Compliance 130

PYMNTS

NOVEMBER 20, 2018

household debt recently sailed past the record level it held in 2008 just before the big crash, hitting $13.5 In so many ways, one can’t help but be struck by … just how good the economy [at] this point is,” Capital One Chief Executive Richard Fairbank said on the company’s earnings call, which was covered by The WSJ.

Lending 188

Lending Trends Cards Capital 188

Payments Source

DECEMBER 11, 2018

But a decade on from the 2008 financial crisis, the loans available for SMEs are still restricted by regulations on the total amount of capital that banks must hold. With Brexit on the horizon, the volatility of the U.K.

Capital 69

Capital Regulation Marketing Lending 69

PYMNTS

AUGUST 20, 2020

One technique known as “ loan stacking ” occurs when bad actors capitalize on digital lending practices by taking out numerous loans from different lenders in a short amount of time. This technique was impossible to attempt when loan applications required multiday processes that included visits to brick-and-mortar bank branches.

Fintech 177

Fintech Fraud Lending Regulation 177

Abrigo

MARCH 20, 2015

For the largest of American financial institutions – those that much of the public banks with for checking, mortgages and auto loans – stress testing regulations have been passed and executed to avoid a repeat of 2008. The ratio gauges a bank’s ability to cover its bad debts with its tangible equity capital.

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Texas Regional California Community Bank 150

PYMNTS

OCTOBER 1, 2019

When the economy crashed in 2008, and fully bottomed out in June 2009 credit across the board froze. headlines about the almost decade long “ startup slump ” brought on by lack of access to capital first began making the rounds in headlines — and by last year the problem had made very little progress.

Data 135

Data Lending Capital Regulation 135