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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.
- May 10, 2017On Wednesday, May 10, 2017, the CFPB held a field hearing in Los Angeles focused on the small business lending marketplace. At the hearing, the agency introduced a request for information to learn more about the relationship between small businesses and financial institutions, with specific focus on four topics: 1. What defines a small business; 2. Which institutions lend to small businesses and...April 13, 2017April 13, 2017 The Honorable Mike Crapo Chairman Committee on Banking, Housing, and Urban Affairs U.S. Senate 534 Dirksen Senate Office Building Washington, D.C. 20510 The Honorable Sherrod Brown Ranking Member Committee on Banking, Housing, and Urban Affairs U.S. Senate 534 Dirksen Senate Office Building Washington, D.C. 20510 Dear Chairman Crapo and Ranking Member Brown: The Consumer Bankers...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...