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Small Business Lending
Small business lending is a top priority for CBA’s member banks. CBA strongly believes small businesses are the lifeblood of the U.S. economy and we remain committed to improving the small business lending environment and process through pro-business legislation and regulation. Collectively, CBA’s member banks have over $200 billion in small business loans on their books, and remain committed to exploring innovative ways to address the needs of lenders and borrowers alike.
- March 15, 2017Even the more sophisticated data-driven financial services marketers are struggling to figure out how to effectively and efficiently integrate personalization into multichannel customer and prospect marketing strategies. This iteration of the Epsilon 5 & 5 is intended to trigger some contrarian thoughts and challenge your marketing status quo. In this issue, we’ll talk about personalization,...
- January 20, 2017On Friday, January 20, 2017, White House Chief of Staff Reince Priebus issued a memo freezing new or pending regulations in efforts to give President Trump’s appointees a chance to review them. According to the memo, no new regulations should be sent to the Office of the Federal Register (OFR) until reviewed by a department or agency head appointed by President Trump. Further, any regulations...October 28, 2016Crystal Ball: the CFPB’s 2017 Priorities During a speech earlier this week, CFPB Director Richard Cordray outlined the Bureau’s three priority areas for enforcement actions and supervision in 2017: consumer complaints, redlining and Real Estate Settlement Procedures Act (RESPA) violations. In light of the recent Appeals Court decision, which rejected the CFPB’s interpretation of portions of RESPA...September 27, 2016 - 2:00PMPastWith consumer loans up 18% in two years ( TransUnion 2016 Personal Loan Forecast) , you may not be taking full advantage of a booming market. Join this webcast and learn how to use new business marketing intelligence, like geo targeting, market segmentation, and location and spatial analytics to maximize your loan marketing efforts without disrupting your current processes. You'll also learn...September 12, 2016September 12, 2016 The Honorable Jeb Hensarling Chairman Committee on Financial Services U.S. House of Representatives Washington, D.C. 20515 Dear Chairman Hensarling, The Consumer Bankers Association (CBA) applauds the goal of H.R. 5983, the Financial CHOICE Act of 2016, to reform the financial services regulatory framework and reduce regulatory burdens on financial institutions. CBA is the...September 7, 2016 - 2:00PMPastConsumers who use digital banking have long been touted as being among a financial institution's most valuable, but hard numbers have been hard to come byAugust 1, 2016On Monday, August 1, 2016, the Board of Governors of the Federal Reserve System (Fed) released its Senior Loan Officers (SLOs) Opinion Survey on Bank Lending Practices which addressed lending to businesses and households over the past three months. Regarding business loans, the survey indicated banks tightened their standards for commercial and industrial real estate loans over the second quarter...June 28, 2016On Tuesday, June 28, 2016, the FDIC announced a forthcoming small business survey. The survey will go to 2,000 banks in late June and seeks to gain information on “many aspects of small business lending, including nationally representative information on the general characteristics of banks’ small business borrowers, the types of credit offered to small businesses, and the relative importance of...June 2, 2016Claiming Americans consumers have been “set up to fail” by the short-term lending industry, federal regulators on Thursday issued sweeping new rules that would drastically alter the payday and title lending industries. Under the proposed rule from the Consumer Financial Protection Bureau, short-term lenders would have to verify borrowers’ ability to promptly repay loans, and be prevented from...May 17, 2016 - 2:00PMPastBranch transactions are declining rapidly across the industry driving bank-level decisions to consolidate the network. However, despite the reduction in overall branch transaction volumes, Small Businesses remain heavily reliant on the branch for new account acquisition and servicing, creating a challenge for banks trying to migrate businesses to lower-cost, self-service channels.