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Posts tagged with "Federal Reserve"

11/21/2018

The Fed’s Fraud Study Reveals the Expected and Unexpected

The high-level trends in payment fraud are easy enough for industry professionals to surmise. Card fraud- both credit and debit- is on the rise, particularly in the fast-growing e-commerce channel. Nonetheless, the Federal Reserve’s newly issued fraud study is packed with valuable information. Its data-driven analysis confirms and quantifies some commonly held beliefs, and uncovers…

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07/23/2018

Dear Diary – The Secrets of US Consumer Payment Choice

The Federal Reserve remains the go-to source for authoritative data on the US payments system. In most cases – such as with the Payments Study the Fed issues every three years – the data is gathered from financial institutions. Add some behavioral data collected directly from consumers into the mix, though, and things get really…

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05/17/2018

The Battle for Retail Deposits

A coffer filled to the brim with low-cost deposits … ah, those were the days. As anyone in banking will tell you, the days of free-wheeling deposit growth for community banks are grinding to a halt. The reason? The Federal Reserve made good on its promise to raise rates, and more are coming down the…

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04/30/2018

How Community Banks Can Resecure Their CRE Lending Business

Commercial real estate loans have been integral to the success of many small banks. Long before the Great Recession made everyone in the banking industry rethink nearly everything about how they did business, numerous community banks were highly dependent on CRE loans for revenue. CRE concerns As the economy recovered from its economic downturn, many…

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04/27/2018

What the New Board of Directors Proposals Could Mean for Your Bank

The Fed giveth and the Fed taketh away. Back in June, the Federal Reserve handed financial institutions fresh challenges by raising its benchmark federal funds rate for the second time in the calendar year. In August, the regulatory body fielded a pair of proposals that could remove some complexities and ease regulations for boards of…

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04/11/2018

Checks Haven’t Checked Out. They’ve Evolved

When debit cards hit the streets in the ’90s, the mighty check saw its role in financial transactions diminish. Fewer and fewer retail outlets take checks these days, but they haven’t completely checked out, not by a long shot. They’ve just evolved and the latest data from the Federal Reserve might have some surprising results…

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12/28/2017

Recap of 2017: Sharing Our Top Five Blogs From the Year

Well, the end of the year is quickly approaching which is a great time to recap another great year for our blog. I just wrapped up my fifth year of being editor of the blog and I am excited about some of the changes we’ve seen this year. We did a reorganization of the existing…

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