Our take on the latest trending events:

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The economy is in a good place for now, but it's also the right time for banks to de-risk their loan portfolios. With a stable economy and interest rate environment, banks should be looking to de-risk sooner rather than later and sell into a hungry or seller's market instead of waiting for a downturn when prices are much lower.
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Upcoming rule changes in December will impact banks that lend to lower-income borrowers in terms of meeting CRA requirements. This could potentially change how lenders profit from loans in lower-income communities.
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The US Treasury is selling bonds at a negative interest rate for the first time. The bonds are inflation-protected, so the interest rate can certainly increase in the future, but for now, they yield a negative 0.550 percent, which mirrors foreign countries that are stuck in slow or no-growth economies.
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The relationship between fintech firms and traditional banks might still be a relatively new concept, but such partnerships continue to evolve to benefit all involved, including consumers.
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While it has long been assumed that younger consumers don't like or trust big banks, new research suggests that the opposite is true. Big banks and credit unions are still in the game and are still very much in the running to retain current clients and obtain new ones.
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With LIBOR slated to be replaced by SOFR in a couple of years, many banks are concerned about the effects that the transition may have on their bottom line. That said, there are steps that banks should take to prepare for the change, including reassessing their loan portfolios.
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The CECL standard has now been delayed for all but SEC reporting banks according to a new FASB vote, which will have a major impact on mid-sized and large banks but will be delayed until 2023 for others.
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Lending is improving for credit unions, particularly when it comes to home, auto, and credit card assets.
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The Federal Reserve's recent cuts to interest rates have narrowed profit margins for banks. This puts them in a position to make some strategic moves when it comes to their loan portfolios to ward off future risk.
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Heightened competition among fintechs and narrower margins as a result of low interest rates are prompting banks to focus their attention on fee income and liquidity.
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