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FDIC FYI September 22, 2004	Delivery Systems for Financial Education in Theory and Practice This update on emerging issues in banking makes it clear that financial education is crucial given today's financial environment. However, deciding to offer a program is but the first step on a long journey toward instilling true financial education.
FDIC FYI January 29, 2003	Payday Lending Some insured depository institutions have failed to properly assess and control the risks associated with their payday lending programs. The consequences of deficiencies in risk management practices for payday lending programs can be severe.
FDIC FYI March 25, 2004	The Evolving Role of Commercial Banks in U.S. Credit Markets A careful analysis of U.S. financial sector data shows that banks' share of the financial services market has not shrunk to the extent that is commonly asserted. Moreover, banks have assumed leading roles in providing some of the newer types of financial services products, such as credit card securitizations and mortgage banking services.
FDIC FYI September 17, 2003 Susan Burhouse	Evaluating the Consumer Lending Revolution Consumer balance sheets have become stretched by large amounts of new consumer and mortgage debt. This rapid increase in consumer spending and borrowing raises important questions about the sustainability of current debt loads and the vulnerability of the consumer sector to economic shocks.
FDIC FYI April 22, 2005	FYI: An Update on Emerging Issues in Banking How can bankers and realtors help the rapidly growing Hispanic population realize the American dream of homeownership? Bridging the information gap that Hispanic households have about the home-buying process is a good start.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
FDIC FYI July 9, 2004	Bank Branching Trends and Prospects of Key Banking Sectors A summary of three reports released today that represent the fourth installment of the Federal Deposit Insurance Corporation's Future of Banking Study.
U.S. Banker November 2001 John Hackett	Ethically Tainted A number of banks are moving into variations of payday lending, the high-yielding business that some observers would describe as predatory. But those who participate in such lending say they're no different than banks that charge high fees for bounced checks...
Finance & Development December 1, 2006 Christensen et al.	Bankable Assets Africa faces many obstacles in developing financial systems. New markets and institutions need to be able to flourish.
Reason April 2002 Mike Lynch	Finance on the Fringe America's check cashers don't exploit the poor; they serve them...
Bank Director 1st Quarter 2011 Jack Milligan	In the Eye of the Storm Former Comptroller of the Currency John C. Dugan speaks candidly about the financial crisis of 2008, the landmark Dodd-Frank Act and the need for minimum loan underwriting standards for the banking industry.
The Motley Fool January 31, 2007 Rich Duprey	Legislative Foes Shackle Payday Loans The payday loan industry remains under assault at both the federal and state level.
U.S. Banker September 2009 Kathy Brister	The Business Case for Financial Literacy Bankers are intensifying their focus on financial education. It s a trend that reflects regulatory pressure and a need to repair their reputations. But some also see the potential for a competitive edge - in the long run, they say, savvier customers make for a healthier bottom line.
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
U.S. Banker July 2009 Andrew Dubinsky	Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened.
HBS Working Knowledge August 4, 2014	Why Small-Business Lending Is Not Recovering Lending to small businesses has not returned to levels seen before the financial crisis. Karen Mills, former head of the US Small Business Administration, explains the reasons.
FDIC FYI November 4, 2003 Puwalski & Williams	Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside.
U.S. Banker March 2008 John Engen	The Politics of Lending Sen. John McCain took time to present his vision of a world with simplified mortgage applications, and even suggested that the government might need to jump in to help mitigate the worsening crisis.
U.S. Banker January 2011	11 Big Ideas for 2011 How are forward-thinking banks reducing overhead, developing new revenue sources and deepening relationships with their customers? Here s what will get bankers attention in the year ahead.
U.S. Banker January 2010	What's On Bankers' Minds? Seven banking CEOs took a break to talk about the state of their industry as it fights through the worst recession in decades.
FDIC FYI January 14, 2003	Basel and the Evolution of Capital Regulation: Moving Forward, Looking Back How much capital is enough? How bank regulators have answered this question during the post World War II period has been shaped by two contending strands of thought.
U.S. Banker May 2007 Thomas P. Vartanian	Crisis and Opportunity In Subprime Mortgage Markets Problems in the subprime mortgage business will inevitably lead to opportunities for those who can evaluate, service or manage the underlying loans, securities and real estate.
This Old House L. Gallant & D. Snoonian	The Mortgage Crisis: Where to Go for Help The Fed's decision to lower interest rates means more people might be looking for home loans again. These Web-based resources can help you avoid the risky ones, and find the loan that's right for you.
National Real Estate Investor May 1, 2008 Ben Johnson	Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators.
Reason April 2002 Mike Lynch	Legal Loan Sharking or Essential Service? The great "payday loan" controversy...
HBS Working Knowledge September 22, 2014 Karen Mills	Online Banks Fill Funding Needs for Small Business In the final column on small business lending, the author is optimistic that the rise of alternative online banks can fund entrepreneurial business growth.
FDIC FYI April 11, 2002	Economic Conditions and Emerging Risks in Banking The report describes recent signs of a consumer-led recovery in the U.S. economy that may have begun in the first quarter...
Finance & Development September 2009 Randall Dodd	Overhauling the System The United States is proposing the most radical reform of financial regulation since the New Deal.
The Motley Fool March 26, 2007 David Lee Smith	Here Come the Mortgage Regulators With subprime lending continuing to plummet, House and Senate hearings run the risk of further retarding a recovery in housing.
U.S. Banker August 2008 William M. Aukamp	Real-Estate Trouble: It's DeJa Vu It seems that periodically banks get clobbered by the real-estate market. Given the periodic problems in real-estate lending, perhaps banks should consider having a real estate professional on the board.
FDIC FYI March 23, 2006	Scenarios for the Next U.S. Recession. A string of positive reports on the U.S. economy and banking industry has led some analysts to ask -- How long can these good times last?
Bank Systems & Technology February 1, 2007 Peggy Bresnick Kendler	Show Me the Value Industry association executives speculate on the top challenges, opportunities and trends facing the banking industry in 2007.
U.S. Banker November 2010 Laura Thompson Osuri	A Payday Alternative A loan-loss-reserve fund created by the Dodd-Frank Act aims to take some of the risk out of small-dollar lending.
CFO December 1, 2003 Randy Myers	Basel's New Balance A new accord may soon help banks lend more for less.
The Motley Fool November 16, 2007 Rich Duprey	Battling for Payday Loans A ban on military payday loans keeps underpaid soldiers even more short of cash.
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
Finance & Development September 2008 Prasad & Rajan	Next Generation Financial Reforms for India A new report advocates a shake-up in India's financial system to underpin growth
FDIC FYI April 21, 2003	Risk-Based Capital Requirements for Commercial Lending: The Impact of Basel II The purpose of this article is to demonstrate the mechanics of the Basel II risk-based capital calculation for commercial credit exposures, and to present evidence on the impact of the new calculations on capital requirements for syndicated loans.
FDIC FYI February 27, 2003	How Real is the Threat of Deflation to the Banking Industry? Deflation refers to a decline in the general price level, usually caused by a sharp decline in money or credit supply or a severe contraction in the economy. This paper outlines the current debate over deflation, focusing on its potential effect on the banking industry.
BusinessWeek May 21, 2007 Grow & Epstein	Cutting the Cost of Poverty Scholars are taking a fresh look at the financial problems of the working poor, and have some new suggestions on how to address them.
HBS Working Knowledge August 28, 2014	Government Can Do More to Unfreeze Small Business Credit In part three of her series on the state of small-business lending, Karen Mills discusses how public-private partnerships and government guarantee programs have the potential to enhance economic growth.
Finance & Development September 1, 2002 Nsouli & Schaechter	Challenges of the "E-Banking Revolution" Electronic banking is the wave of the future. It provides enormous benefits to consumers in terms of the ease and cost of transactions. But it also poses new challenges for country authorities in regulating and supervising the financial system and in macroeconomic policy.
The Motley Fool October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
Bank Technology News June 2007 Michael Sisk	America's Great Divide About 73 million people in the U.S. are unbanked or underbanked, a marketplace that is as diverse as it is unknown. Banks will find a bevy of new risk tools to help reach out to this emerging credit market.
OCC Bulletin January 31, 2001	Subprime Lending While the OCC believes that responsible subprime lending can expand credit access for consumers and offer attractive returns for bankers, during recent years institutions engaged in subprime programs have represented a disproportionate number of problem institutions...
Bank Director 2nd Quarter 2009 Deborah Scally	Toughing It Out in 2009 The results of the Bank Director/Grant Thornton LLP 16th Bank Executive Survey show that bankers are determined to shore up their foundations and capitalize on strengths to survive the year ahead.
The Motley Fool February 7, 2007 Rich Duprey	Will Bubba Bring Back Payday Loans? Georgia's legislature debates permitting cash advances three years after banning them. It would be a product unique to the state, but would undoubtedly still draw the industry players, like Advance America.
U.S. Banker July 2011 Glen Fest	A Case for Payday Loans Payday lenders seemingly have few friends in high places, but they recently found sympathy from a surprising source: an economist at the Kansas City Fed.
The Motley Fool September 28, 2006 Rich Duprey	Advance America's Keystone Kops Pennsylvania sues the nation's largest payday lender.
U.S. Banker November 2007 Karen Krebsbach	CUs Gird for Battle over CRA Rules Recent remarks about whether credit unions and other nonbank lending firms should participate in Community Reinvestment Act requirements have raised the specter of that age-old argument, with credit union representatives solidly on one side and bankers on the other.