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.
  • June 2, 2016
    Claiming 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 - 2:00PM
    Past
    Branch 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.
  • May 13, 2016
    On Tuesday, May 11, 2016, the U.S. Treasury Department published a white paper addressing the emerging marketplace lending sector of finance. Entitled: “Opportunities and Challenges in Online Marketplace Lending,” the document follows a Request for Information (RFI) issued in late 2015. Treasury described the document as a process to better understand the potential opportunities and risks...
  • February 18, 2016 - 2:00PM
    Past
    US Consumers are a fickle bunch, particularly when it comes to financial services (banking, auto loans, credit cards, even alternative lending). FICO recently completed a study of these consumers and has uncovered some fascinating insights.
  • February 10, 2016
    Nearly 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, 2016
    This 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, 2016
    On 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, 2015
    The 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, 2015
    Keep 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...

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