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As becoming involved in lawsuits is typically not a matter of ‘if’ but ‘when’ for banks today, institutions need to develop policies, procedures and practices to reduce the risks of such suits proceeding to trial.
KeyBank executive Mike Griffin says the future of CRA lending may reside more in rental housing than in home ownership.
While new regulations require stress testing for banks over $10 billion in assets, institutions below that limit should also adopt the tests as common sense best practice.
By throwing mega banks into fee income turmoil, the Durbin Amendment presents a lucky break to community banks – if they’ve prepared well enough to take advantage of it.
Prepaid cards need clearer fee disclosure requirements and a ‘Schumer Box’-type model would be helpful.
The OCC’s proposed overdraft guidance creates a disturbing precedent by turning what has always been considered a discretionary deposit service into a credit product.