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The Deposit Strategy Behind Customers Bank’s FDIC Loan Deal

The Financial Brand

This article The Deposit Strategy Behind Customers Bank’s FDIC Loan Deal appeared first on The Financial Brand. Customers Bank saw a bunch of specialized loans on sale at a 15% discount and a bunch of bankers who could do more. It connected the dots.

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How a Regulatory Nudge Pushed Payday Lending into the Mainstream, Benefiting Borrowers and Banks

The Financial Brand

This article How a Regulatory Nudge Pushed Payday Lending into the Mainstream, Benefiting Borrowers and Banks appeared first on The Financial Brand. The big banks have embraced small dollar lending, saving millions of consumers billions of dollars annually, according to a new report.

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Is the Spike in Banks’ Use of Brokered Deposits Cause for Alarm?

The Financial Brand

This article Is the Spike in Banks’ Use of Brokered Deposits Cause for Alarm? This article Is the Spike in Banks’ Use of Brokered Deposits Cause for Alarm? appeared first on The Financial Brand. Why brokered deposits are in the news and why deposit-hungry bankers should care where the debate is heading.

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Should Fintechs Buy or Build Their Way into Banking Today?

The Financial Brand

This article Should Fintechs Buy or Build Their Way into Banking Today? A bank law veteran weighs options in which both banks and fintechs have a stake. This article Should Fintechs Buy or Build Their Way into Banking Today? appeared first on The Financial Brand. appeared first on The Financial Brand.

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Major Shifts in Federal Bank Merger Policy Pending from Biden Regulators

The Financial Brand

This article Major Shifts in Federal Bank Merger Policy Pending from Biden Regulators appeared first on The Financial Brand. This article Major Shifts in Federal Bank Merger Policy Pending from Biden Regulators appeared first on The Financial Brand. The Comptroller's Office and the Federal Deposit Insurance Corp.

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Making Sense of the Silicon Valley and Signature Bank Failures

The Financial Brand

This article Making Sense of the Silicon Valley and Signature Bank Failures appeared first on The Financial Brand. This article Making Sense of the Silicon Valley and Signature Bank Failures appeared first on The Financial Brand. SVB will dominate financial headlines for months.

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Researchers Say the Federal Safety Net Isn’t a ‘Moral Hazard’ After All

The Financial Brand

This article Researchers Say the Federal Safety Net Isn’t a ‘Moral Hazard’ After All appeared first on The Financial Brand. For decades, pundits have argued that deposit insurance leads to riskier behavior that ends in bank failures. Were they wrong all this time?