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Oct. 3, 2012

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When Will "Normal" Bond Yields Return?  

By Jeff Goble  

Jeff Goble - UMB Have you noticed that, after inflation, 10-year U.S. Treasury bonds currently yield a negative real return? With the annualized inflation rate via the Consumer Price Index hovering around 1.70 percent and Treasury yields at 1.40 percent at the time of this writing, fixed-income investors are now losing 30 basis points of yield after inflation. How long can this last? Probably for a while, it seems, but if history is a guide ... not forever. Read more>> 
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KC Fed President: Next Time Can Be Different
Adding new and more detailed regulations focuses on addressing the specific weaknesses exposed in the last crisis. Digging deeper to address the misaligned incentives offers the potential for more fundamental change to the system. Only when financial institutions and market participants have to fully consider the risk and consequences of their decisions - verified with strong supervisory regimes - will we be assured that next time can be different. Read more>>
Equifax's Credit Trends Report Reveals More Growth And Stability In Automotive And Credit Card Finance
According to Equifax's latest monthly National Consumer Credit Trends Report, automotive credit balances and new accounts are increasing steadily, with the number of new accounts opened in the first half approaching pre-recession levels. Read more>>
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FFIEC Publishes Median Family Income Data 
The FFIEC estimates median family incomes for metropolitan statistical areas, metropolitan divisions, and nonmetropolitan portions of each state. These data are used to determine income levels of geographies in Community Reinvestment Act performance evaluations. Read more>>
Register for Webcast
Frontline Deposit Deposit Compliance: Frontline Deposit Regulations

DATE: Oct. 24   


This program fulfills many of your annual training requirements for your front line. The front line is critical in the implementation of many of the federal regulations for a financial institution. This program will cover the basic understanding of what each regulation is for and how the front line is responsible for its implementation.    


Click here for more information or to register. 

FDIC Announces Settlement With American Express Centurion Bank for Unfair and Deceptive Practices
The FDIC and the Consumer Financial Protection Bureau have reached a settlement with American Express Centurion Bank, Salt Lake City, for deceptive debt collection and credit card marketing practices, in violation of section 5 of the Federal Trade Commission Act. Read more>>
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The Conference Board Consumer Confidence Index Increases in September
Consumers' appraisal of present-day conditions improved in September. Those claiming business conditions are "good" edged up to 15.5 percent from 15.3 percent, while those saying business conditions are "bad" declined to 33.3 percent from 34.3 percent. Read more>>
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