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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.
- February 10, 2016Nearly eight years after the financial crisis, instances of misconduct across the spectrum of the industry continue to be reported in the press with troubling frequency. The coverage strikes an uncomfortable contrast with the intensity of effort the industry and the regulators have focused on reforming and remediating the weaknesses the crisis brought to light. Overall, this environment has...
- February 4, 2016This week, the House considered and passed several financial services bills. Among them, on Thursday, February 4, 2016, the House passed a bill introduced by Rep. Blaine Luetkemeyer (R-MO), H.R. 766 , Financial Institution Customer Protection Act of 2015, which would prohibit federal bank regulators from ordering or pressuring banks to terminate customer accounts unless given "material reason to...January 6, 2016On January 6, 2016, the Government Accountability Office (GAO) released a report titled: “Small Business Administration (SBA): Leadership Attention Needed to Overcome Management Challenges.” The report found the SBA has not resolved many of its long-standing management challenges, including high leadership turnover and needed transformation of its human capital and information technology (IT). On...December 17, 2015The Federal Reserve has just raised its benchmark Fed Funds rate by 25 bp — after seven long years at rock bottom. Overall, banks are breathing a huge sigh of relief, with the expectation of higher loan yields and revenue. But deposit gathering bankers must now face the reality of how to set deposit rates in response to rising interest rates — and in light of significant changes in regulation,...November 13, 2015Keep it Going... Thank a Vet Thanking a veteran should not be a one-day thing. As we approach the holiday season, take a moment to thank our military personnel—retired and present—and their families for their service and commitment to our great Nation. Marketplace Lending As marketplace lending continues to expand, regulators have begun to turn their attention to this fast growing industry. Late...November 10, 2015Washington, D.C. (November 10, 2015) – In honor of the service and sacrifice our nation’s active duty service members, veterans and their families, the retail banking industry has committed to a number of programs to help them as they continue their missions or transition to civilian life. These programs include job training and hiring, small business funding, affordable housing, and financial...November 6, 2015Small businesses have always had a harder time securing financing than their larger brethren, but these challenges have grown even worse in recent years.As economic conditions have improved, fledgling firms have been seeking additional capital to invest and expand. While demand for credit from this sector is growing, many banks are reluctant to provide them the financing they need. Regulations...October 9, 2015Clinton Lays Out Financial Reform Plan Ahead of the first Democratic Presidential Debate, this Tuesday, October 13, 2015, presidential candidate Secretary Hillary Clinton released a financial regulatory reform plan entitled: "Wall Street Should Work for Main Street." With her regulatory plan, Secretary Clinton aims to defend Dodd-Frank and reduce dangerous risks in the financial system, hold both...October 5, 2015Regions Bank is partnering with the enemy. The Birmingham Ala.-based bank announced today it is working with online lender Fundation Group to serve small businesses — what Regions says is one of the first partnerships between a large financial institution and a player in the alternative lending space. [Birmingham-based Regions Financial is partnering with online lender Fundation Group.] Enlarge...October 1, 2015Federal Reserve Governor Lael Brainard joined Janet Yellen at the Community Banking Research and Policy Conference with a speech on community bank lending to small businesses and the rise of online nonbank alternatives. “I remain confident that community bankers will continue to play a vital role in the small business lending landscape as the respective business models of online platforms and...