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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 26, 2017 - 2:00PMPastSeptember 22, 2017September 20, 2017 Secretary of Education Betsy DeVos U.S. Department of Education C/O Ms. Hilary Malawer 400 Maryland Avenue, SW., Room 6E231 Washington, DC 20202 RE: Regulatory Review - Docket ID: ED-2017-OS-0074, Docket Number 2017-13157 Dear Secretary DeVos: The Consumer Bankers Association  and the American Bankers Association  (“the Associations) appreciate the opportunity to submit...September 21, 2017 - 2:00PMPastSeptember 8, 2017It’s very tempting for marketers to think of their marketing activities in terms of channels like search, display, direct mail, and email. This approach can be dangerous as consumers don’t think by channel. Savvy marketers should be looking deeper to see a more powerful prediction of behavior and common thread that ties these channels together: Marketing Signals. Consumers create signals when...September 8, 2017Welcoming CBA’s Board of Directors & Committee Leadership We are excited to welcome our Board of Directors to CBA HQ next week for our September Board meeting. Each time we meet, it provides us an opportunity to chart a path forward for the retail banking industry and discuss how we can best serve consumers and small businesses. We also will announce our Board leadership team for 2018, as...September 6, 2017Bank marketers are being challenged to deliver better results at greater speed and less cost. Its stretching and challenging org structures throughout the industry in ways we haven’t seen before and it’s never been more daunting than in today’s digital marketplace, where prospects roam across many channels expecting personalized service. Is your marketing team prepared to compete and win in this...August 29, 2017 - 2:00PMPastAugust 9, 2017On Wednesday, August 9, 2017, the Federal Reserve Board released final guidelines for evaluating requests for joint accounts at Federal Reserve Banks. The guidelines will become effective upon publication in the Federal Register. Joint accounts are intended to facilitate settlement between depository institutions participating in private-sector payment systems. The final guidelines broadly...July 21, 2017On Friday, July 21, 2017, the FED, OCC, FDIC, Securities and Exchange Commission, and Commodity Futures Trading Commission announced they are coordinating their respective reviews of the treatment of certain foreign funds under section 619 of the Dodd-Frank Act, commonly known as the Volcker Rule, and the agencies’ implementing regulations. These foreign funds are investment funds organized and...July 17, 2017On Monday, July 17, 2017, Sen. Cory Booker (D-NJ) sent a letter to 13 banks inquiring about their overdraft programs. “I’m concerned that too many of our nation’s banks are increasingly driven to accumulate these [overdraft] fees, rather than pursue a business model that serves their communities, and are adopting certain practices to drive participation in so-called ‘overdraft protection’...