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April 10, 2013
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Op-Ed: Complex Consumer Protection Laws Keep Small Banks from Serving Unbanked

papers piling up on desk In an editorial opinion piece, Charles G. Cooper, banking commissioner of the Texas Department of Banking and the treasurer of the Conference of State Bank Supervisors, says as regulations "have grown more complex and profit margins have shrunk, community banks must now balance their willingness to develop products that could assist underserved members of the community against the perceived regulatory risks ... A compliance regimen that recognizes the proximity of the community banker to their customer and the alignment of financial interests resulting from the "originate-to-hold" model employed by community banks is long overdue." Read more>> 

In an essay in the San Francisco Fed's 2012 Annual Report, San Francisco Federal Reserve Bank President and CEO John C. Williams explains why currency in circulation is soaring at the same time Americans are turning away from cash to pay for purchases. Read more>>
Jonah Bank Tells Its Story on Fox Business
A nine-minute segment on Jonah Bank aired recently on "In View with Larry King" on Fox Business Network. The segment focuses in on the role of community banks in a worldwide banking community that's "too big to fail." Read more>>
ABA Training Ad

CFPB Takes Action Against Mortgage Insurers to End Kickbacks to Lenders
The CFPB filed complaints and proposed consent orders against four national mortgage insurance companies in order to stop these practices, which have been prevalent for more than 10 years. Read more>>
Mobile Banking 2013

Participants receiving capital through the Small Business Lending Fund boosted lending for the seventh straight quarter. In total, SBLF participants have increased small business lending by about $8.9 billion since the depths of the recession in 2009.  Read more>>
Register for Webcast
Cybercrime Take a Bite Out of Cybercrime:
Arm Yourself Against Account Takeover

Date: May 15


Technology is changing at lightning speed and cyber criminals have made bank robberies seem almost prehistoric. A bank robber no longer has to be inside your financial institution. Hacking, phishing, spear phishing, spamming, malware and DDoS attacks abound and they can all take place from the comfort of a criminal's home or office. Click here for more information or to register.

ABA: Consumer Delinquencies Decline Significantly in Fourth Quarter 2012
Consumer delinquencies declined significantly in last year's fourth quarter, with bank card delinquencies falling to levels not seen since the third quarter of 1994, according to results from the American Bankers Association's Consumer Credit Delinquency Bulletin. Read more>>

FDIC Releases Technical Assistance Videos
The FDIC has released the first in a series of technical assistance videos to provide useful information to bank directors, officers and employees on areas of supervisory focus and proposed regulatory changes. Read more>>
RDC Summit

In a letter to CFPB Director Richard Cordray, CSBS President and CEO John Ryan suggested the CFPB adopt a petition process whereby interested parties can petition the CFPB to make a determination that an area be considered "rural" for the purposes of Truth in Lending rural requirements. Read more>>
Entries Being Accepted for 2013 Green Leaf Award

Green Leaf 2013The Green Leaf Award, sponsored by BankNews magazine, recognizes community financial institutions nationwide helping to improve their communities through cooperation and participation in programs and projects; and, at the same time, contributing to a better environment through policies, programs and technology. The Green Leaf Award is open to all community financial institutions.
Read more>>

Knowledge Xchange conference 2013

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