Blog Categories

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Credit union and bank associations are teaming up to reassure consumers they are healthy and available to help amid the current coronavirus pandemic.
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Fintechs are big competition for traditional banks, particularly when it comes to digital payment platforms. According to a recent poll, payments outweigh lending by a ratio of 2:1 as a perceived fintech competitor to banking.
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Many community banks have issued warnings about possible problem loans, which should prompt banks to get in front of potential problem assets while they still can.
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In response to the economic turmoil stemming from COVID-19, the government is taking extreme measures to prop up the economy. And one such effort is the Federal Reserve adding massive amounts of liquidity into the market.
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Banks and credit unions are keeping a close eye on C&I loans as delinquencies and defaults increase, particularly in the energy sector. But once they become "criticized assets" these loans can still be sold into a robust loan-buying market to minimize the reporting of bad loans on financial institutions' balance sheets.
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Nonbank mortgage volume has overtaken traditional banks, with about half originated by nonbank lenders. This may be cause for concern should financial stress occur.
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The Madden v. Midland Funding ruling that took effect four years ago has been cause for concern for lenders, but the OCC's recent proposal may help banks bypass the ruling, which is good news for all secondary loan markets.
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