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Deposits & Payments
Deposit growth and strategies have always been a core focus of retail banks. Today's volatile economic climate - with consumers relying less on credit products and more on deposit account services - brings deposit growth and account management to the forefront. As technology and consumer needs evolve, so does the concept of payments. With innovations such as virtual wallets and other forms of digital currency comes new and unique challenges for the payments space. CBA monitors and addresses the issues facing retail banks in the management of the deposits and payments functions.
- September 19, 2019 - 2:00PMUpcomingAugust 21, 2019On August 21, 2019, the FDIC published a Notice of Proposed Rulemaking seeking comment on proposed revisions to its regulations relating to interest rate restrictions that apply to less than well-capitalized depository institutions. The proposed rule amends the methodology for calculating the national rate and national rate cap for specific deposit products as the higher of (1) the 95 th...July 17, 2019 - 12:00PMPastJuly 15, 2019Re: Reserve Policy on Payment System Risk [OP-1664] Dear Ms. Misback: The Consumer Bankers Association (CBA) appreciates the opportunity to provide comments to the Board of Governors of the Federal Reserve System (the “Fed”) in response to the Notice and Request for Comment regarding the proposed extension of daily operating hours for the National Settlement Service (“NSS”) and corresponding...July 1, 2019To Whom It May Concern: The Clearing House Payments Company LLC (“TCH”), the American Bankers Association, the Consumer Bankers Association, and the Bankers Association for Finance and Trade (collectively, the “Associations”)1 respectfully submit this comment in response to the Consumer Financial Protection Bureau’s (“CFPB” or “Bureau”) Request for Information Regarding Potential Regulatory...June 26, 2019 - 2:00PMPastMay 13, 2019May 13, 2019 Robert E. Feldman, Executive Secretary Federal Deposit Insurance Corporation 550 17th Street NW, Washington, DC 20429 Attention: Comments RE: Notice of Proposed Rulemaking: Recordkeeping for Timely Deposit Insurance Determination, 12 CFR §370, RIN 3064–AF031 Dear Mr. Feldman: The American Bankers Association, The Bank Policy Institute, and the Consumer Bankers Association (...May 7, 2019Robert E. Feldman, Executive Secretary Attention: Comments Federal Deposit Insurance Corporation 550 17th Street NW Washington, DC 20429 Re: RIN 3064-AE94 Email: comments@FDIC.gov Re: Advance Notice of Proposed Rulemaking Regarding Brokered Deposits and Interest Rate Restrictions/ RIN 3064-AE94 Dear Mr. Feldman: The Consumer Bankers Association (“CBA” or “the Association”) appreciates the...May 6, 2019May 6, 2019 Robert E. Feldman, Executive Secretary Federal Deposit Insurance Corporation 550 17th Street NW, Washington, DC 20429 Attention: Comments RE: Notice of Proposed Rulemaking: Joint Ownership Deposit Accounts 12 CFR §330 [RIN 3064–AF04]1 Dear Mr. Feldman: The American Bankers Association, The Bank Policy Institute, and the Consumer Bankers Association (collectively, the “Associations”)2...May 2, 2019 - 2:00PMPast