PYMNTS

APRIL 5, 2020

Financial regulators have made $500 billion in capital available for lenders around the world , which gives lenders the freedom for another $5 trillion of loans around the world to go toward cushioning the blow the coronavirus has dealt to the world’s economy. In the U.S., unemployment has soared to record highs.

Capital 150

Capital Lending Regulation Study 150

PYMNTS

NOVEMBER 12, 2020

Government-backed loan schemes like the Paycheck Protection Program (PPP) connected vital capital to small- to medium-sized businesses ( SMBs ) in need of aid to stay afloat. Even with a surge in PPP financing, many early-stage businesses continue to struggle to access capital from traditional sources. The High-Risk Perception.

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Regulation Capital Marketing Technology 232

PYMNTS

MARCH 19, 2020

Banking regulators on Thursday (March 19) said they are going to give banks credit for letting lower-income Americans borrow money during the coronavirus pandemic, according to a report by Reuters. Regulators, for their part, said they want to encourage lending.

Regulation 140

Regulation Lending FDIC US 140

Payments Dive

FEBRUARY 21, 2024

While the $35 billion acquisition is expected to prompt antitrust concerns related to consumer card lending, regulators may see competition benefits in the card network arena.

Capital 221

Capital Lending Regulation Cards 221

Abrigo

FEBRUARY 6, 2024

Develop an MBL program while mitigating risk Credit unions looking for alternate paths to growth in today's rising rate environment may be primed to leverage member business lending. Takeaway 3 The specific policy areas outlined below should be carefully considered by credit unions engaged in member business lending.

Lending 221

Lending How To Risk Management Policies 221

PYMNTS

JULY 29, 2019

Proposed regulations would give small businesses in California the nation’s most extensive set of truth-in-lending protections for small business borrowers. . In 2018, California began the journey of establishing lending transparency for small businesses in the state.

Lending 182

Lending California Comparison Regulation 182

Abrigo

DECEMBER 22, 2023

The most-read lending & credit blogs in 2023 Probability of default, CECL model validation, and stress testing were among Abrigo's top blogs on ALM, CECL, and portfolio risk this year. Takeaway 2 The top lending and credit blog posts focused on the benefits of banking technology, interest rate management, and developing risk ratings.

Lending 221

Lending Risk Management Community Management 221

South State Correspondent

MARCH 3, 2025

Germain Depository Institutions Act of 1982 enabled thrifts to offer money market accounts and expand lending powers, fostering competition with banks. At the same time, starting in 1984, regulators started recording the CD rates at banks for public consumption. of C&I lending. The Garn-St.

FDIC 195

FDIC Trends Management ATM 195

Bank Innovation

JUNE 12, 2017

As the year saw changes in financial regulation, startup culture, and trends in venture capital, innovation moved forward: blockchain labs were made, funding was fought for, mobile payment systems were integrated, and the limits of artificial […].

Innovation 399

Innovation blockchain Trends Capital 399

Bank Innovation

MARCH 30, 2018

Melbourne-based challenger bank Judo Capital will be focusing its efforts on small business banking in Australia, according to banking plans unveiled by the challenger yesterday.

Capital 199

Capital National Regulation Online 199

PYMNTS

JANUARY 22, 2021

India's central bank wants stricter regulations for big shadow lenders, according to a new report from Bloomberg. One proposition is a 9 percent core capital requirement on the top tier, akin to banks. The paper comes after a speech by a top RBI official in charge of banking regulation, Bloomberg writes.

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Regulation Capital Lending Groups 272

PYMNTS

AUGUST 21, 2020

While Chinese traders are limited to the purchase of up to $50,000 of foreign currency annually, the volume suggests stablecoins could be being used to circumvent the regulation, according to Chainalysis , the New York-based provider of regulatory compliance software.

cryptocurrency 349

cryptocurrency Report Regional Capital 349

Abrigo

FEBRUARY 12, 2020

Key Takeaways Commercial real estate lending will be a top focus for many financial institutions in 2020. Despite expectations for growth, bankers, regulators, investors, and others are watchful about potentially lower returns and credit risks ahead. The Mortgage Bankers Association expects 9% growth in CRE originations in 2020.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

JUNE 12, 2020

Key Takeaways The soon-to-begin Main Street Lending Program (MSLP) aims to fulfill a need for mid-sized businesses to access relief funds amid the coronavirus pandemic. The MSLP aims to be a lifeline for businesses that may have been too big to participate in the PPP, but too small to access corporate lending facilities. learn more.

Maine 195

Maine Lending Regulation Resources 195

PYMNTS

DECEMBER 21, 2020

Like many venture capital companies in the payments space, Serent Capital has had a busy year. 15 with the announcement of the launch of its fourth fund, Serent Capital IV — at $750 million. 15 with the announcement of the launch of its fourth fund, Serent Capital IV — at $750 million. That was followed on Dec.

Capital 199

Capital Payments Software Fintech 199

BankUnderground

APRIL 3, 2025

This post is an example of issues considered under the Prudential Architecture Theme which focuses on the evolving regulatory structures and fresh strategic issues for regulators and supervisors. Loan forbearance features prominently among those interventions by lenders and/or regulators.

Lending 52

Lending Tools Management Policies 52

PYMNTS

NOVEMBER 6, 2020

Davies , head of lending at Figure, will spearhead the firm’s initiatives to get a bank charter from the OCC and he will become the Figure Bank chief executive officer, according to Cagney. Davies served as CitiMortgage’s chief executive officer and Citibank’s head of global mortgage in addition to Capital One’s president of home loans.

National 163

National blockchain Lending Regulation 163

PYMNTS

JANUARY 2, 2019

The P2P lending market in China has been rife with scams and controversy for some time now. The lack of regulation led to the country’s biggest Ponzi scheme, protests across cities in China and losses for thousands of people. trillion yuan by the end of 2017, reported Bloomberg.

Lending 153

Lending Marketing Regulation Groups 153

Perficient

MARCH 17, 2025

Driven by the demand for faster transactions and the need for businesses to offer comprehensive financial services within their existing ecosystems, various industries are embedding payment, lending, insurance, and investment options into their platforms.

Trends 221

Trends Analytics Compliance Strategy 221

PYMNTS

JANUARY 7, 2019

Government Accountability Office (GAO) said that financial regulators should look more closely at the role of non-bank tech companies in the small business (SMB) lending and consumer lending markets. Such alternative data, said the GAO, could pose risk to such lending decisions. Late last week, the U.S.

Lending 150

Lending Fintech Data Wyoming 150

Perficient

FEBRUARY 12, 2025

The industry faces numerous challenges, including protecting sensitive data, navigating evolving regulations, and outdated legacy systems. To harness AIs potential effectively, its essential to develop a strategy that considers payment regulations to ensure consumer protection , data privacy , and ethical use of AI.

Trends 221

Trends Payments Compliance blockchain 221

Perficient

MARCH 3, 2022

Federal bank regulators work together to design Comprehensive Capital Analysis and Review (“CCAR”) stress tests that are designed to ensure that even in the case of a severe recession, significant banks can lend to households and businesses.

Capital 294

Capital Regulation United States Exercises 294

PYMNTS

JULY 24, 2020

Online lenders will need the green light from the central bank to roll out new offerings or hike lending rates if the legislation is put into law, Quartz Africa reported. Online lending has brought about a number of complications in Kenya, with digital loans reportedly leading rising personal debt for users in the country.

Lending 157

Lending National Mobile Online 157

PYMNTS

OCTOBER 12, 2020

regulators cracked down on the firm Oct. regulators not coming as a surprise. The round was led by Blockchain Capital, Standard Crypto, Blockchain.com Ventures and more. Mishra said he’d already been seeing the “Wild West”-like nature of the crypto derivatives space, with the new activity from U.S.

Bitcoin 261

Bitcoin Compliance Lending Regulation 261

PYMNTS

DECEMBER 2, 2020

Are federal regulations putting a damper on bank lending amid the pandemic-driven downturn, or are bankers simply being too cautious? banking supervisor, will examine as he looks at why banks have not deployed more of their capital to support businesses and individuals during the lockdown, the Financial Times reports.

Lending 150

Lending Capital Regulation System 150

PYMNTS

NOVEMBER 1, 2018

Regulations take shape, usually quite a bit more slowly. So it is with the Chinese alternative lending space, with various nomenclature in place, seemingly interchangeable, embracing P2P loans or internet lending – in short, funds flowing outside the confines of the bank branch and the teller window.

Lending 150

Lending Guidelines Fintech Industry 150

Abrigo

DECEMBER 15, 2016

In the 2015 Growth Strategy Survey by Bank Director , the most commonly cited areas for growth were Commercial Real Estate Lending, C&I loans, SBA loans, and Construction loans. which means their capital needs fluctuate. businesses are sole proprietorships or small businesses. Small businesses in the U.S.

Lending 150

Lending Millennials Study Survey 150

PYMNTS

JANUARY 10, 2019

Alternative small business (SMB) lending platform CAN Capital announced on Wednesday (Jan. CAN Capital added Siciliano from commercial financing company Marlin Business Services , where he served in a variety of roles, including CEO and chief operating officer. 9) that Edward J.

Capital 134

Capital Leadership Customer Experience Lending 134

South State Correspondent

MARCH 4, 2025

What are our constraints as to the risk, cost, talent, time, data, technology, regulation, and preexisting commitments? Will capital, for instance, become more expensive or cheaper? Step 2: Structure Choosing a Problem-Solving Approach When Solving Strategic Challenges Different problems lend themselves to various forms of solutions.

Examples 221

Examples Capital Data Case Study 221

Abrigo

FEBRUARY 6, 2025

bank and credit union regulators expect financial institutions to implement robust internal controls for managing the credit, market, liquidity, and operational and legal risks associated with investment holdings. banking regulations. You might also like this on-demand webinar, "Winning the deposit game."

Compliance 195

Compliance Technology Operations Risk Management 195

PYMNTS

SEPTEMBER 18, 2019

Indonesian peer-to-peer lending platform JULO is closing its Series A2 funding round with $15 million raised, after extending its initial $5 million Series A funding by an additional $10 million, according to a report. In South Asia, digital lending is becoming more and more common.

Lending 140

Lending Fintech Capital System 140

Abrigo

JANUARY 29, 2020

Key Takeaways The FDIC issued an advisory to FIs encouraging safe and sound lending practices in today's ag lending environment. FDIC) issued an advisory to financial institutions encouraging exceptionally safe and sound lending practices in agricultural lending.

Lending 195

Lending How To FDIC Survey 195

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

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

PYMNTS

MAY 24, 2019

Baoshang Bank, based in Inner Mongolia, will be taken over by China’s banking and insurance regulator over critical credit risks, according to a report by Reuters. The takeover highlights the troubles that smaller banks in China face, like poor capital buffers, inadequate internal controls, asset quality deterioration and others.

Regulation 158

Regulation Lending Guidelines Maine 158

PYMNTS

NOVEMBER 4, 2020

4), Wang Wenbin, China’s foreign ministry spokesman, said the decision to suspend the Ant Group IPO was made to “better maintain the stability of the capital markets and to protect investors’ interests,” the Financial Times reported. Chinese regulators are also growing concerned about the breakneck growth of Ant Group’s lending business.

Lending 240

Lending Groups Regulation Marketing 240

PYMNTS

OCTOBER 9, 2020

million in seed funding to disrupt payday lending schemes and help gig workers and freelancers get paid instantly. We are thrilled to be one of the only sources of free capital for America’s hourly and gig workers,” Nico Simko , co-founder and CEO of Clair, said in a statement on Friday (Oct. The funding was led by Upfront Ventures.

New York City 254

New York City Lending New York Fintech 254