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Bank Supervision Adapts to Pandemic Challenges
Communication between bank management and bank supervisors will remain vital to understanding the challenges banks are facing.
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.
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.
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.
Commercial Real Estate Market Stress Poses a Challenge to Banks
Remote work, higher interest rates and other factors have made commercial real estate lending more challenging for banks, particularly community banks.
Strong Earnings, Asset Quality Put U.S. Banks on Solid Ground
U.S. banks have strong fundamentals, but regulators are keeping an eye on credit quality as delinquency rates rise for certain consumer and commercial real estate loans.
Banks See Challenges from Fintech Disruption
While banks have lost market share to fintech firms, they have also benefited from new financial technology—such as the use of RegTech and SupTech.
Partners in Innovation: Community Banks and Fintech Firms
Community banks looking to innovate and increase efficiency may team up with fintech firms. What do these partnerships look like, and what are the risks?
Digital Banking: A Look at the Playing Field
Fintech developments have turbocharged banking services competition, leading to more offerings or specialization.
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.