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Author: Richard L. Mizelle Publisher: Nova Snova ISBN: 9781536160666 Category : Community banks Languages : en Pages : 0
Book Description
Community banks--generally small and locally focused institutions--are important sources of credit to small businesses. Since the 2007-2009 financial crisis, regulators have made significant changes to the regulatory environment. Chapter 1 examines the data regulators use to measure small business lending, as well as the extent of any regulatory effects on the amount of community banks' small business lending and their lending processes, changes in bank populations, and financial performance. Chapter 2 examines (1) the regulations community banks and credit unions viewed as most burdensome and why, and (2) efforts by depository institution regulators to reduce any regulatory burden. GAO analyzed regulations and interviewed more than 60 community banks and credit unions (selected based on asset size and financial activities), regulators, and industry associations and consumer groups.
Author: Richard L. Mizelle Publisher: Nova Snova ISBN: 9781536160666 Category : Community banks Languages : en Pages : 0
Book Description
Community banks--generally small and locally focused institutions--are important sources of credit to small businesses. Since the 2007-2009 financial crisis, regulators have made significant changes to the regulatory environment. Chapter 1 examines the data regulators use to measure small business lending, as well as the extent of any regulatory effects on the amount of community banks' small business lending and their lending processes, changes in bank populations, and financial performance. Chapter 2 examines (1) the regulations community banks and credit unions viewed as most burdensome and why, and (2) efforts by depository institution regulators to reduce any regulatory burden. GAO analyzed regulations and interviewed more than 60 community banks and credit unions (selected based on asset size and financial activities), regulators, and industry associations and consumer groups.
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance Publisher: ISBN: Category : Business & Economics Languages : en Pages : 224
Author: John Waupsh Publisher: John Wiley & Sons ISBN: 1119273889 Category : Business & Economics Languages : en Pages : 352
Book Description
Community banking can flourish in the face of fintech and global competition with a fresh approach to strategy Bankruption + Website offers a survival guide for community banks and credit unions searching for relevance amidst immense global competition and fintech startups. Author John Waupsh is the Chief Innovation Officer at Kasasa, where he helps spearhead financial product development and implementation across hundreds of institutions. In this guide, he draws on more than a decade in the industry to offer clear, practical advice for competing with the megabanks, direct banks, non-banks, and financial technology companies. The discussion separates futurist thinking from today's realities, and dispels common myths surrounding the U.S. community banking model in order to shed light on the real challenges facing community banking institutions. It follows with clear solutions, proven strategies, and insight from experts across banking and fintech. All arguments are backed by massive amounts of data, and the companion website provides presentation-ready visualizations to help you kickstart change within your team. In the U.S. and around the globe, fintech companies and non-banks alike are creating streams of banking services that are interesting, elegant, and refreshing—and they're winning the hearts and minds of early adopters. Not a one-size-fits-all approach, this book offers many different tactics for community banks and credit unions to compete and flourish in the new world. Analyze fintech's threat to the community banking model Learn where community banking must improve to compete Disprove the myths to uncover the real challenges banks face Adopt proven strategies to bring your organization into the future Community banks and credit unions were once the go-to institutions for local relationship banking, but their asset share has been on the decline for three decades as the big banks just got bigger. Now, fintech companies are exploiting inefficiencies in the traditional banking model to streamline service and draw even more market share, as community banking executives are left at a loss for fresh tactics and forward-looking strategy. Bankruption + Website shows how community banks can be saved, and provides a proven path to success.
Author: Jeffrey R. Holman Publisher: Nova Science Pub Incorporated ISBN: 9781624172274 Category : Business & Economics Languages : en Pages : 170
Book Description
The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within the Consumer Financial Protection Bureau (CFPB). To help minimise its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This book examines the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes with a focus on the Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending.
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher: ISBN: Category : Business & Economics Languages : en Pages : 388
Author: Jeffrey R. Holman Publisher: Nova Publishers ISBN: 9781624172281 Category : Business & Economics Languages : en Pages : 178
Book Description
The Dodd-Frank Act includes numerous reforms to strengthen oversight of financial services firms and consolidate certain consumer protection responsibilities within the Consumer Financial Protection Bureau (CFPB). To help minimize its regulatory burden on small institutions, including community banks and credit unions, the act exempts such institutions from several of its provisions. However, the act also contains provisions that impose additional requirements on small institutions. Historically, community banks and credit unions have played an important role in providing credit to small businesses and other local customers. This book examines the significant changes community banks and credit unions have undergone in the past decade and the factors that have contributed to such changes with a focus on the Dodd-Frank Act provisions that regulators, industry associations, and others expect to impact community banks and credit unions, including their small business lending
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit Publisher: ISBN: Category : Business & Economics Languages : en Pages : 404
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions Publisher: ISBN: Category : Business & Economics Languages : en Pages : 68
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs Publisher: ISBN: Category : Business & Economics Languages : en Pages : 306
Author: Richard L. Mizelle
Author: Richard L. Mizelle
Author: New York (State)
Author: United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on Consumer Credit and Insurance
Author: John Waupsh
Author: Jeffrey R. Holman
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Author: Jeffrey R. Holman
Author: United States. Congress. House. Committee on Banking and Financial Services. Subcommittee on Financial Institutions and Consumer Credit
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs. Subcommittee on Financial Institutions
Author: United States. Congress. Senate. Committee on Banking, Housing, and Urban Affairs