Our take on the latest trending events:

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The overdraft fee - from a consumer perspective, these words are dreaded. From the financial institution's perspective, however, the overdraft fee income has been an important part of free checking accounts.
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Overall, online lending has proven to be beneficial for a certain type of borrower, but investors should be aware of the risks involved.
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An opportunity for consumers today could be FICO itself, which has recently announced it is working on a new score that would be catered to underbanked borrowers.
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The mortgage industry has faced substantial criticism following the financial crisis, and many critics and government officials have pounced on the opportunity to disparage this particular sector. While these views have been growing less harsh, those looking to spearhead meaningful reform have encountered numerous challenges, according to American Banker.  
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The banking sector has been benefiting from strong mergers and acquisitions activity, as economic conditions continue to improve and financial institutions look toward consolidation as a means of cutting costs, meeting capital requirements and even diversifying their businesses. 
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While they are frequently identified as being competitors of banks, marketplace lenders have asserted repeatedly that they want to work with these more traditional financial institutions. 
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Home Bancshares recently took an innovative approach to bolstering loan growth, buying nearly $300 million worth of national commercial real estate loans. The Conway, Arkansas-based bank was able to snap up this loan portfolio after Doral Bank's failure, purchasing it from private equity firm J.C. Flowers & Co. 
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As many banks consider partnering with marketplace lenders, they must carefully evaluate each particular alliance to get a strong sense of its potential costs and benefits. Marketplace lenders have been rising in importance, growing a strong customer base and in some cases raising significant sums of money by working with receptive investors. 
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Online lending marketplace Lendio recently raised more than $20 million through a funding round led by Napier Park Financial Partners. South Jordan, Utah-based Lendio, which uses innovative technology to connect small businesses with lenders, plans to use the money to enhance its relationships with lenders, invest in improving its online resources and expand its partnership program. 
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Many banks are making major changes as they take steps to comply with the liquidity coverage ratio, including selling off assets and running off deposits that do little to help them meet the requirement.
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The valuations of technology startups have been surging as hedge funds and mutual funds pour money into this space in an effort to profit from the next big thing. Many institutional investors have taken an interest in technology startups, hoping to select the right ones and then profit when they hold an initial public offering.
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Regional banks have been putting significant effort into either raising the threshold for being deemed systemically important - which currently stands at $50 billion - or scrapping the level completely. 
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Recently, the U.S. Supreme Court heard a consolidated lawsuit that involved whether a secondary lien placed on the asset of a debtor can be reduced to the value of the collateral securing the obligation obligation and reduced to zero if there is no asset coverage. The decision could have broad implications, potentially impacting many bankruptcy proceedings that followed the nationwide housing crisis, according to Inman Magazine. 
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A bill designed to help protect Montana bankers recently passed The Treasure State's House and Senate. Senate Bill 280 was introduced after the Montana Supreme Court ruled in 2014 that borrowers can press legal action in lending disputes on the basis of presumed oral agreements, according to American Banker.
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Loan demand has been rising all over the nation, according to figures provided in the Federal Reserve's March Beige Book. The Fed report revealed that most regions have been enjoying promising economic conditions, and banking activity stood out as a strong point in many cases.
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Puerto Rico's banking industry has undergone some seismic shifts in the aftermath of Doral Bank's failure earlier this year. While this troubled bank entered receivership, several competitors benefited from the situation, bolstering their market share by snapping up its branch locations, loans, deposits and mortgage servicing rights.
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Sterling Bancorp, one of the largest lenders doing business in the payroll lending market, recently acquired Damian Services Corporation, which provides payroll-related services to staffing firms. By making this purchase, Sterling will grow its client base, expand its lending capacity and open up new possibilities to earn fees in specialty finance, according to American Banker.
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Non-banks have been gaining an increasingly large share of the market for FHA-backed mortgage lending, according to a recent study conducted by the American Enterprise Institute's International Center on Housing Risk. These financial institutions, which are outside the reach of bank regulations and capital requirements, have been increasing issuance of these home loans as major banks retreat from this market.
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