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U.S. Banker February 2007 Andrew Reinbach	Are Small Banks Reevaluating A Big-Bank Technique? Scoring small-business loans is often believed to be unnecessary at the community bank level, especially if the lender and applicant know each other. But it may yet be valuable for credit quality.
The Motley Fool August 27, 2007 John Rosevear	The Joys of Credit Unions While credit unions aren't the best fit for everyone, they do offer distinct advantages -- tangible and not-so-tangible -- over big regional or national banks.
U.S. Banker June 2007 John Tozzi	Union Bank of Cal's Edge Sharpens Its Diversity Success Taking advantage of a little used Fed exemption, one California bank made 263 loans to minority borrowers last year that would have been denied under the bank's usual lending criteria.
The Motley Fool July 30, 2007 John Rosevear	Financing That New Car, Part 2 There are lots of ways to finance a car, and spending a little time reviewing the options before you go shopping can save you time, hassle, and money.
Bank Technology News August 2001 David Rountree	Outline of Offerings As the original research presented here attests, the status of U.S. financial institutions' online banking programs varies widely, even if one adjusts for the size of the bank or credit union. Not all large banks excel online and not all small banks are playing catch-up...
The Motley Fool January 12, 2007 Dan Caplinger	Go Beyond Banks Credit unions can offer great deals to savers and borrowers alike.
Entrepreneur October 2006 Crystal Detamore-Rodman	A Perfect Union Looking for a better relationship with your bank? A credit union could be the financing solution you need.
U.S. Banker May 2009 Maria Aspan	If You Can't Beat 'Em, Might as Well Join 'Em Though some bankers are encouraging the industry to compete against remittance specialists, U.S. Bancorp says it makes more sense to continue working with such firms.
Bank Systems & Technology November 1, 2005 Phil Britt	Show Me the Money Mortgage lenders are investing in technologies to increase process efficiencies and enable better targeting of loan prospects, according to industry analysts.
Bank Technology News September 2006 John Adams	Mortgage: Making Every Transaction Count As the market cools off, technology is helping mortgage players improve lead generation, closing time and telecommunications to gain new customers and boost performance.
Entrepreneur April 2005 Crystal Detamore-Rodman	Just Your Size Don't make assumptions about a bank's lending methods based on size alone--here's how to find the bank that can help your business cash in.
U.S. Banker November 2008 Clark Abrahams	Reverse Reengineering of Risk As the recent mortgage crisis has exposed, the science of risk scoring needs some tweaking.
Bank Systems & Technology June 2, 2004 Judy Ward	National Commerce Financial Consolidates Lending Bank streamlines commercial and consumer loan processes with AFS STP platform.
Entrepreneur July 2010 Gwen Moran	The Bank in Your Backyard Building strong connections with community banks can pay off during uncertain economic times.
Commercial Investment Real Estate Nov/Dec 2002 Stephen V. Jacquemin	Understand Lender Criteria to Finance Manufactured-Housing Communities Manufactured-home community buyers have two main financing choices: long-term loans from institutional or conduit lenders or short-term bank loans. To obtain the appropriate financing for these investments, commercial real estate professionals should understand lender criteria for each type.
Inc. January 1, 2003 Martin Mayer	A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?
U.S. Banker June 2010 Rob Garver	No Joy in Credit Unions' Pain Ongoing capital woes could trigger a wave of consolidation, creating bigger, stronger credit unions and more headaches for community bankers.
U.S. Banker September 2010 Bonnie McGeer	Finding the Right Match Online loan exchanges like BoeFly and Biz2Credit are gaining traction as banks look for new ways to find more small-business borrowers.
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.
Entrepreneur August 2003 Crystal Detamore-Rodman	Give 'Em Credit They're not just for car loans and home mortgages. Now credit unions are making business loans.
U.S. Banker January 2006 John Engen	Fabulous on the Fundamentals The first three quarters of 2005 were the most profitable in banking history, with record earnings of $102 billion. But already in 2006, analysts see signs of change in the overall approach bankers take to the business.
U.S. Banker August 2010 Bill Byerly	In Defense of Startups That the FDIC should determine how many banks exist is ludicrous.
The Motley Fool August 30, 2005 Dayana Yochim	Your Credit Score's All Wrong The author reveals the kinks in the consumer credit scoring system and explains why the credit file you're allowed to see isn't the same one your banker uses.
Bank Technology News March 2006 Michael Grebb	Cutting To the Chase New rules under the Home Mortgage Disclosure Act require lenders to collect and reveal data on a loan applicant's race, sex and income. Institutions must also share how they determine rate spreads for different applicants.
Bank Director 4th Quarter 2010 Jack Millligan	A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control.
Reason April 2002 Mike Lynch	Slow Learners In December a Washington state Superior Court judge schooled the Washington Education Association), the state's largest teachers union, on the nuances of labor law, handing it a $770,000 bill for the lesson...
The Motley Fool January 8, 2007 Selena Maranjian	On Financing a Car Be smart and prepared to get the best rate on a car loan.
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.
AskMen.com March 4, 2001 Luis Rodrigues	The Truth About Bank Loans When the time comes to borrow money from the bank to buy a house, a car or start a business, people still get extremely stressed about meeting with the banking loans officer...
Bank Technology News July 2006 John Adams	Small Business: On The Clock, Just Like Customers Institutions like Fifth Third Bank and California B&T are using fast approvals and processing as a means to boost their small business banking efforts.
Bank Systems & Technology March 7, 2005 Cynthia Ramsaran	Easing Lenders' Growing Pains While many banks are searching for innovative vendor solutions to update internal systems, others are staying ahead of the rapid growth in lending by teaming with service providers.
Bank Technology News February 2005 Shane Kite	Customer Service: Getting A Decision And $$ In One Step Firms like Provident are increasing loan volume, workforce efficiency and customer service by introducing straight-through processing to all aspects of the loan process
The Motley Fool January 3, 2006 Dayana Yochim	Credit Score Need a Boost? Getting more credit isn't the best way to improve your score. In the end, the key to improved credit isn't sexy. The passage of time and the responsible use of credit during those years are your best bets for building your score.
Bank Systems & Technology July 30, 2009 Maria Bruno-Britz	Western Union Moves to Further its Mobile Presence New Digital Vendor Program was created to help vendors and others in the mobile finance chain easily integrate Western Union's technology with their own.
National Real Estate Investor June 1, 2005 Kingsley Greenland	Why Liquidity Should Help You Sleep Better There is no crystal ball that can predict the next lending squeeze, or if one will even occur. What is certain however, is that greater liquidity in the secondary market for commercial real estate loans is an important safety valve for the entire industry.
The Motley Fool March 27, 2007 Ryan Fuhrmann	Western Union Revisited: Single and Lovin' It The former telegraph operator is now a cash-generating machine. Based on consensus analyst projections for this year, Western Union trades at just less than 20 times earnings.
Finance & Development June 1, 2007	Bulgaria Having joined the European Union in January 2007, Bulgaria is off to a promising start in its marathon to catch up with the living standards of its new European partners. But the challenge ahead will be to improve productivity.
Bank Systems & Technology December 1, 2006 Phil Britt	True E-Mortgage Inches Closer to Reality The technology needed to enable a true online mortgage already exists today, according to David Matthews, CIO of the Federal Home Loan Bank of Chicago.
The Motley Fool March 9, 2010 Jennifer Schonberger	One Congressman's Solution for Boosting Small Businesses Loans Congressman Kanjorski on lifting the lending cap on credit union loans to small businesses.
The Motley Fool December 6, 2005 Dayana Yochim	FICO Babble The money shrink is in to help you make sense of your credit score. Together we're going to tackle your deepest FICO fears head-on.
Fast Company February 2010 Jeff Chu	Update: Michelle Rhee vs. the D.C. Teachers' Union After the October layoffs of 266 teachers and staff, the union claimed Rhee used a budget crunch as a pretext for dismissing veteran teachers.
U.S. Banker November 2005	Wading Through HMDA-Data Muck What does the new Home Mortgage Disclosure Act data show about banks' lending practices when it comes to racial, ethnic and gender differences? It's clear what it says, but it's not clear what it means.
U.S. Banker May 2002 Robert A. Bennett	Smaller Is Better Smaller was better in 2001 among the nation's 100 largest banks and thrifts. For the most part, the success of the smaller companies reflects their ability to focus on highly profitable niches -- especially mortgage originations during last year's boom...
Bank Technology News July 2005 John Adams	Lead generation: Mortgage lenders Go Customer Fishing The lures that institutions such as Wachovia and the Loan Page are using to attract new real estate customers are plentiful, including web chats, credit matching, and Internet cross marketing.
U.S. Banker January 2005 John Engen	Twenty Twenty Vision The economy might be lukewarm, but banks in the Pacific Northwest are hot. It's not unusual to see ROEs and P/Es hovering at 20. The region's rise as a banking power center is due to a crop of sharp CEOs adeptly firing up the front lines and outperforming their national peers.
Bank Technology News January 2006 John Adams	Wholesale Mortgages: UBOC's Broker Road Becomes Automated The lender's strategy is heavy on implementing electronic loan execution. The goal? Cutting cost and time-and eliminating paper from desks of customer-facing partners.
Mother Jones May/Jun 2001 Brendan I. Koerner	Preying on Payday How national banks are teaming up with storefront lenders to profit from high-interest loans to the poor...
The Motley Fool February 4, 2008 Morgan Housel	Western Union Grows on Global Push Global diversification puts Western Union in a comfy position going forward, with fully 54% of its business coming from outside the U.S. in the fourth quarter.
CIO January 24, 2014 Kim S. Nash	CIO Helps Civil War-Era Company Find Its Digital Future Western Union has survived dramatic business upheavals before. Can its CIO help this venerable company survive the digital payments revolution?
U.S. Banker May 2009 Anthony Malakian	The Other Bailout Industry experts say that a confluence of events brought on by the mortgage market meltdown could be setting the stage for a surge of credit unions converting to mutual savings banks.