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Bank mergers have become something of a trend over recent years, and more mergers are likely. As such, a clean balance sheet makes a merger easier, prompting banks to clean their balance sheet now while prices are still high.
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Fintechs are being more conservative when it comes to the types of borrowers they lend to in response to investor demands. With fintech lenders tightening up their standards, they're starting to look more like traditional banks.
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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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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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Corporate debt has now exceeded household debt for the first time in three decades, prompting lenders to take a closer look at their loan portfolios to ensure risky assets are sold off.
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The student loan space is seeing more movement with the latest transaction involving the sale of First Republic's student loan repayment business to E-Trade.
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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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