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.

Lending 150

Lending Fintech Data Wyoming 150

PYMNTS

JULY 14, 2019

The 30-page draft guidelines published by the National Development and Reform Commission (NDRC) aim to reverse a slowdown of economic growth partially caused by the U.S. It also called on financial institutions to increase lending to private enterprises and small businesses and provide targeted products and services.

Guidelines 103

Guidelines Lending Marketing National 103

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis. Blog Bank Credit Union'

Guidelines 223

Guidelines Payments Lending Capital 223

Abrigo

NOVEMBER 14, 2024

Banks should regularly update their risk profiles, audit their processes, and ensure compliance with FFIEC guidelines. Our experienced advisors lead extensive BSA training for all departments including teller groups, lending staff, and the board of directors.

Compliance 221

Compliance How To Training Software 221

Bank Innovation

FEBRUARY 23, 2020

The partnership will allow the bank to use Fundation’s technology suite to assist small businesses that do not meet Fifth Third’s current loan-eligibility guidelines. With Fundation’s platform, the bank can underwrite businesses it […].

Guidelines 293

Guidelines Meeting Technology Customer Experience 293

PYMNTS

SEPTEMBER 4, 2019

The Hong Kong Monetary Authority has, as finews.asia reported this past week, amended its credit risk management guidelines in a way that seeks to boost the embrace of analytics when lending to smaller firms.

Lending 134

Lending Fintech Guidelines Meeting 134

PYMNTS

JULY 31, 2019

Last month, for instance, the People’s Bank of China announced several measures designed to support small and medium-sized banks following previous initiatives to give a boost to lending to smaller private firms in the country.

Lending 134

Lending Policies National Guidelines 134

PYMNTS

NOVEMBER 13, 2018

Guidelines From The UK. In the United Kingdom, a number of banks and FinTech firms have been working in tandem to foster guidelines that will boost working relationships between those parties. The guidelines are being developed by the British Standards Institution, reports said last week. “We and MarketInvoice.

Community Bank 183

Community Bank Community Fintech Arizona 183

Bank Innovation

SEPTEMBER 21, 2017

“High-tech,” or fintech banks may be required to hold higher capital buffers and larger liquidity when entering Europe, the European Central Bank said in draft licensing guidelines today.

Fintech 249

Fintech Guidelines Capital Marketing 249

Let's Talk Payments

OCTOBER 5, 2017

In the ever so evolutionary space of FinTech, the journey of a market starts with payments and slowly moves on to lending and so on. They come in various shapes.

Guidelines 105

Guidelines Lending Fintech Marketing 105

BankUnderground

APRIL 3, 2025

On balance, the literature is critical of loan forbearance in the corporate sector because of its potential to contribute to zombification a situation where bank lending keeps unproductive firms alive, resulting in lower aggregate total factor productivity.

Lending 52

Lending Tools Management Policies 52

South State Correspondent

JANUARY 4, 2021

Of all the lending programs in banking history, the Paycheck Protection Program (PPP) has to be one of the most complicated ever to enthrall bankers.

Guidelines 150

Guidelines Lending 150

PYMNTS

NOVEMBER 13, 2019

China’s regulators have revealed that the country will be moving away from setting sharp growth targets at its biggest banks, in an effort to increase lending to small businesses (SMBs). On Tuesday (Nov.

Lending 101

Lending Guidelines Regulation Payments 101

Abrigo

MAY 19, 2023

Policy guidelines usually include a written description of the overall credit grading process and establish responsibilities for the various loan review functions. They should be knowledgeable of both sound lending practices and their own institution’s specific lending guidelines.

Training 195

Training Lending Risk Management Guidelines 195

Abrigo

MAY 13, 2020

Lenders who aren’t familiar with the typical SBA 7(a) lending process will want to set up their Colson accounts quickly to ensure they are in a position to meet the deadlines set to report PPP loans on Form 1502. Lending & Credit Risk. Member Business Lending. SBA Lending. Lending & Credit Risk. Learn More.

How To 195

How To Report Lending United States 195

Perficient

FEBRUARY 27, 2025

The rise of digital banking, cryptocurrency, blockchain, and AI adoption across banking operations will prompt regulatory bodies to implement clearer frameworks and guidelines to ensure stability and consumer protection. Recommended Approach: Navigating constant changes in risk and regulatory environments is crucial for banks in 2025.

Banking Trends 221

Banking Trends Trends Digital Banking Customer Experience 221

Abrigo

MAY 18, 2023

Takeaway 2 Examining regulatory guidelines and matching up your current loan review process can help assess roles and procedures. Low-depth roles adhere to strict guidelines, and employees have very few decisions to make. You might also like this webinar, "Return to basics: Asking the right credit risk questions."

Lending 195

Lending Training Guidelines Policies 195

PYMNTS

APRIL 20, 2016

As the nation waits and drama builds over expected new guidelines from the Consumer Financial Protection Bureau on short-term lending, the government watchdog has issued a new report that indicates that the high cost of payday loans is even higher than most people think.

Study 100

Study Lending Guidelines Survey 100

PYMNTS

APRIL 10, 2020

A guideline impels commercial lenders to provide SMBs with loans at a rate that is not below the lending growth rate in the industry. It also detailed different goals to command the bad loan ratio on SMB loans and lending rates. Those difficulties encompass different lending criteria and unclear eligibility criteria.

Lending 151

Lending Guidelines Regulation Industry 151

PYMNTS

OCTOBER 11, 2017

Last week, after five years of debates, discussions, arguments and waiting, the Consumer Financial Protection Bureau’s (CFPB) final rules for payday lending dropped. The CFPB final payday lending rule is an important step, Horowitz said, but there are many more steps to come. Banks need clear guidelines from a host of players.

Lending 109

Lending Regulation Guidelines FDIC 109

Abrigo

NOVEMBER 18, 2016

In a survey of community banks and credit unions at the 2016 Sageworks Risk Management Summit, 42 percent of respondents said Commercial Real Estate, or CRE, lending was their primary focus for loan portfolio growth. For many, commercial real estate lending may be the ticket. This reflects a larger industry trend.

Community Bank 150

Community Bank Handbook Lending Risk Management 150

Abrigo

APRIL 21, 2020

Key Takeaways Financial institutions have 10 calendar days to disburse PPP loans To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. To address financial institutions’ liquidity and leverage concerns, regulators have helped to facilitate lending. How to fund PPP loans.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

MAY 11, 2021

Takeaway 1 Global cash flow can provide a more holistic lending picture as lending decisions have become more complex. Many financial institutions use global cash flow analysis in their lending process. A common misstep seen in lending departments is the belief that a guarantor improves an applicant’s credit quality.

Analysis 195

Analysis Lending Taxes Comparison 195

PYMNTS

MAY 24, 2019

In other CBIRC news , the organization recently released new guidelines aimed at getting banks to increase lending to small businesses. The report noted that small businesses and private enterprises have suffered more from the government’s efforts to reduce financial risk, which decreased lending to those companies at a faster rate.

Regulation 158

Regulation Lending Guidelines Maine 158

Abrigo

JULY 18, 2017

The NCUA’s new member business lending (MBL) rule has opened the doors for credit unions to grow their loan portfolios. Endeavoring into member business lending requires a sound strategy that balances inherent risk with perceived opportunity. Defining specific lending policies ultimately sets up the credit union for success.

Policies 150

Policies Lending Analysis Strategy 150

PYMNTS

APRIL 16, 2020

This week’s look at the latest in bank-FinTech collaborations and open banking initiatives finds a focus on small business lending: In the U.K., Deloitte, Unqork, Plaid Debut Lending-as-a-Service Tool. ” Plaid Unlocks Payroll Data to Support PPP Lending. . ” Plaid Unlocks Payroll Data to Support PPP Lending.

Data 167

Data Lending Regional Fintech 167

Abrigo

JUNE 29, 2017

Keith points out that for document collection , defer to the guidelines at your institution. By knowing which is passive and which is non-passive, you can understand which businesses are actively managed, and your guidelines will tell you whether to go get the full tax return for each business or just the k-1.

Analysis 150

Analysis Guidelines Taxes Training 150

Abrigo

MAY 12, 2015

During the webinar, Keith discussed how to strengthen guidelines and improve consistency, how to pull the right cash flow from a pass-through entity into global calculations and how to avoid double-counting cash flow. Keith recommends that you have a guideline with some flexibility. It is the cash flow that pays.”

Guidelines 150

Guidelines Taxes Video How To 150

Jeff For Banks

OCTOBER 11, 2017

Although bank commercial real estate (CRE) lending has been more profitable than commercial and industrial (C&I or Business Loans), both now AND immediately after the financial crisis, regulatory CRE guidelines are causing financial institutions to consider a switch of emphasis to Business Lending. Your thoughts?

Lending 60

Lending Guidelines Industry How To 60

Abrigo

JUNE 12, 2023

Since the passing of this model money transmitter act, many states have introduced or fully adopted these standardized guidelines. Consumer protection : Define clear guidelines for transparency, disclosures, and complaint processes to safeguard consumer interests.

Compliance 195

Compliance Fraud Regulation Guidelines 195

Abrigo

DECEMBER 2, 2021

In a competitive lending environment, many banks and credit unions are concerned about losing good-quality loans if they over-price them. Lending & Credit Risk. Consumer Lending. Lending & Credit Risk. Consumer Lending Compliance: Hot-Button Issues to Monitor. Beef up your loan pricing strategy. Learn More.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

AUGUST 19, 2024

As Hannakah Rubin, Senior Client Development Consultant at Abrigo, explained in a recent episode of Abrigo’s Ahead of the Curve podcast , the FFIEC guidelines provide some room for interpretation. However, the core requirement is that compliance officers must be able to take any necessary actions to mitigate risks.

Resources 195

Resources Compliance Management Training 195

PYMNTS

OCTOBER 3, 2016

“With a decimated short-term, small-dollar lending industry, and other financial service providers not able to fill the void, millions of working class Americans will be left with no viable alternative to access the credit they occasionally need to make ends meet,” the letter said. Alcee Hastings, D-Fla.; Collin Peterson, D-Minn.;

Ohio 161

Ohio Guidelines Texas Lending 161

PYMNTS

APRIL 25, 2016

Visa is determined to make EMV faster, Starbucks wants to make getting that cuppa joe faster, too, and is crushing it with mobile order ahead and the CFPB might be moving closer to having a fast exodus of the payday lending business once its rules drop. The CFPB’s Latest Round Of Payday Lending Complaints. EMV’s Second Phase.

Lending 100

Lending Mobile Cards Fraud 100

Abrigo

JANUARY 22, 2016

.” – Albert Einstein Banks generate most of their revenue by lending money, and lending money, by definition, involves a certain amount of risk. Safe lending starts at the origination of the loan, because the most effective way to avoid a troubled loan is to never make the loan in the first place.

Resources 150

Resources Lending Risk Management Compliance 150

Abrigo

MAY 2, 2022

In a recent webinar, Paula King, Senior Advisor for Abrigo Advisory Services, recommended that lending institutions make time to review loan policies quarterly and every time they make a change, such as an increase in asset size, a new branch, or an acquisition. Lending & Credit Risk. Lending & Credit Risk. Learn More.

Policies 195

Policies Lending Regulation Examples 195

PYMNTS

JANUARY 4, 2017

FinTech firms operating in Indonesia and running peer-to-peer lending businesses may face new regulations from the Indonesian Financial Services Authority (OJK). We want to provide [business] transparency guidelines first,” he stated an annual press briefing.

Regulation 128

Regulation Fintech Guidelines Capital 128