CBA
Showing 145–160 of 251 results
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BANK Wire – CFPB to expand HMDA reporting
Summer 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 413
Abstract: In this issue, “BANK Wire” describes changes that the Consumer Financial Protection Bureau is considering to improve and expand data collection under the Home Mortgage Disclosure Act. It notes the most common fraud schemes in the banking and financial services industry, according to the Association of Certified Fraud Examiners’ 2012 Report to the Nations on Occupational Fraud and Abuse. And it observes that the FDIC has adopted a final rule prohibiting certain “bad actors” from buying failed banks.
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Avoid these common holding-company reporting errors
Summer 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 538
Abstract: Small bank holding companies are required to file semiannual FR Y-9SP reports with the Federal Reserve Board (FRB). The FRB uses information in these reports to monitor and analyze a holding company’s financial condition, spot potential financial trends or problems and review merger and acquisition applications. However, in a recent paper, FRB staff outlined common errors made on holding companies’ FR Y-9SP reports. This article looks at some of the errors involving call reports and structure reports, along with other errors.
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Weighing in on your borrowers’ working capital levels
Summer 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 607
Abstract: An ample amount of working capital allows assets to be converted to cash quickly, enabling borrowers to cover current obligations. But too much cash tied up in working capital can prevent borrowers from positive courses of action that will help grow the business, such as expanding to new markets or investing in equipment. This article discusses collections, inventory and accounts payable as they pertain to working capital management.
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Is your bank on top of cybersecurity? 2 severe threats loom over financial institutions
Summer 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 862
Abstract: Increasing use of online and mobile banking technologies has made banks and their customers more vulnerable to cyberattacks than ever before. Most recently, the Federal Financial Institutions Examination Council outlined the steps banks should take to address two severe threats: 1) distributed denial-of-service (DDoS) attacks and 2) cyberattacks on ATM and card authorization systems. This article takes a look at these threats, and a sidebar examines the appropriate level of disclosure to shareholders regarding cybersecurity risks and incidents.
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BANK Wire – Watch out for UDAAP
Spring 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 419
Abstract: This issue’s “BANK Wire” lists several Dodd-Frank Act unfair, deceptive or abusive acts or practices (UDAAP) provisions that community banks should be aware of. It also describes recent FDIC/OCC guidance on deposit advances and looks at the heightened demand for mobile banking.
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A case in point – Measure your borrowers’ performance
Spring 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 619
Abstract: Benchmarking is an insightful analytical tool. It involves comparisons between a company’s performance and industry norms or best practices. But not all borrowers engage in the benchmarking process, because they’re too bogged down with daily operations or unfamiliar with resources. Lenders can add value and protect themselves from financial distress by introducing borrowers to the process. This article offers a hypothetical example of how a lender can aid a borrower, and lists a variety of resources that offer benchmarking data.
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The small business reporting framework and your customers
Spring 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 629
Abstract: The AICPA’s new Financial Reporting Framework for Small- and Medium-Sized Entities (FRF for SMEs) has the potential to benefit borrowers and lenders alike. But it’s important for lenders to analyze clients on a case-by-case basis to see whether it’s appropriate to accept financial statements prepared in accordance with the FRF for SMEs. This article looks at what constitutes a “SME” and how the new framework can allow them to improve their financial reporting without incurring the trouble and expense of using Generally Accepted Accounting Principles.
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Judging, and stepping up, branch performance
Spring 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 875
Abstract: Shutting down underperforming branches can be an effective cost-cutting strategy. But it can be difficult, or impossible, to reopen a branch, so it’s important to first conduct a thorough analysis to gain an accurate picture of its performance and its contribution to the bank’s overall profitability and growth — and to identify opportunities that can enhance the branch’s value. This article discusses how to choose the right metrics and use them in the context of local markets. A sidebar explains why it’s important to have a funds transfer pricing program.
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BANK Wire – Take an interest in interest rate risk
Winter 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 407
Abstract: This issue’s “BANK Wire” takes a look at a recent Financial Institution Letter in which the FDIC signaled a heightened interest in banks’ interest rate risk management practices. BANK Wire also discusses a lawsuit in which the plaintiff — having declined to implement its bank’s suggested security controls — sued the bank after suffering a fraud loss. It also notes that, the Gramm-Leach-Bliley Act notwithstanding, regulatory agencies have now declared it generally acceptable to report suspected elder financial abuse to the appropriate authorities.
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An e-sign of things to come – Are you ready for electronic signatures?
Winter 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 589
Abstract: As the world continues its journey to going paperless, an increasing number of banks are adopting electronic signature technology for new account openings, loans, disclosures and other transactions. This article discusses the advantages, along with the legal requirements, and offers a number of best practices to ensure that electronic signatures hold up in court.
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Psst … Is your client headed for divorce?
Winter 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 638
Abstract: Lenders should beware of borrowers who are headed for divorce court — if a couple co-owns a company, it might place the loan at risk. This article discusses some issues to consider: How much of the private business interest should be included in the marital estate? What about goodwill — and alimony and child support? And who’s going to run the business after the divorce?
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Lessons from thriving banks: It’s a real-world stress test
Winter 2014
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 866
Abstract: A recent report by the Federal Reserve Bank of St. Louis analyzes distinguishing features of banks that thrived during the recession. The authors concluded that community banks can prosper in the future by maintaining strong risk management standards in all economic environments and tailoring their business plans to their markets. This article looks at the highlights of the report, while a sidebar lists key performance indicators that it looked at.
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BANK Wire – Basel III finalized
Fall 2013
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 408
Abstract: This issue’s “BANK Wire” discusses the OCC’s and the Federal Reserve Board’s final rules adopting Basel III bank capital requirements. It also looks at an OCC guide offering practical, best-practices advice for community banks and a Federal Trade Commission guide regarding its Red Flags Rule for spotting identity theft. And it mentions a recent study by the St. Louis Federal Reserve Bank identifying the distinguishing features of community banks that maintained the highest supervisory ratings during the recent financial crisis.
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Get ready for new mortgage rules
Fall 2013
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 650
Abstract: Community banks should begin preparing now for new mortgage rules that take effect on Jan. 1, 2014. The rules, finalized by the Consumer Financial Protection Bureau (CFPB) last January, are designed to protect consumers from risky lending practices. The CFPB in July made several amendments to the rules. Among other things, the amendments ease some of the new requirements for smaller banks. This article discusses the highlights, particularly as they apply to the ability-to-pay rule and the qualified mortgage rule.
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Taking stock of inventory – Are any of your borrowers using slick fraud tricks?
Fall 2013
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 656
Abstract: Fraud involving inventory, in one way or another, happens regularly. Knowing what tricks are employed, and how to trip them up, is half the battle. This article cites some real-world examples of scams to look out for, whether involving the physical inventory directly or the accounting for it.
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Social media risks shouldn’t be ignored
Fall 2013
Newsletter: Community Banking Advisor
Price: $225.00, Subscriber Price: $157.50
Word count: 752
Abstract: In recent years, many banks have begun to use Facebook, Twitter, LinkedIn and other social media platforms to interact with customers and prospects and to market their products and services. But the opportunities these platforms provide also come with significant risks. So it’s critical to develop a plan for managing these risks. This article discusses the operational, reputational, and compliance and legal risks and lists steps for mitigating them. A sidebar notes the danger posed by file-sharing apps.