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Regulating Fintech: One Size Does Not Fit All
As fintech companies make inroads into banking, they have raised regulatory issues at the state and federal levels.
Bankers Name Tightening Margins, Cybersecurity as Top Challenges
Tightening margins and technology concerns top the list of challenges for community bankers, according to the 2023 CSBS Annual Survey of Community Banks.
Fed Releases Proposal for CRA Reform, Seeks Comments
The Fed and the OCC have both issued proposals for reforming CRA regulations. How do they differ?
Fed Adopts Guidelines for Master Account Access to Its Payment Services
The Federal Reserve in mid-August issued guidelines for evaluating nontraditional financial firms’ requests for master accounts to access the Fed’s payment services.
Managing Liquidity Risk and the Importance of Bank Contingency Funding Plans
Federal banking regulators have issued updated guidance on funding and liquidity risk management to include the importance of contingency funding plans.
Small Business Lending Gives a Boost to Banks
Small business loans are up 40% at community banks compared with a year ago, spurred on by the Paycheck Protection Program.
Banking Agencies Seek Public Comment on CRA Proposal
Federal regulators are proposing changes to regulations for the Community Reinvestment Act, nearly 20 years since the last major overhaul of its rules.
Fed Launches Second Tool to Help Community Banks Meet Accounting Standard
The Expected Losses Estimator (ELE) is a spreadsheet-based tool to help community banks calculate allowances for credit losses under the CECL standard.
A Post-Mortem of the Paycheck Protection Program
The Paycheck Protection Program, which ended on May 31, involved thousands of lenders and $800 billion in small-business loans. How successful was the PPP?
Economic Uncertainty, Rising Interest Rates Challenge Banks
Elevated funding costs and tightening credit markets point to the need for bankers and bank supervisors to remain vigilant.