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S&P Global Market Intelligence, formerly S&P Capital IQ and SNL, is the premier provider of breaking news, financial data, and expert analysis on business sectors critical to the global economy. This article originally appeared on the SNL subscriber side of S&P Global's website.

Which way to go with branches?

While M&A helps whittle banks' branch counts, credit unions keep building
Acting CFPB Director Mick Mulvaney in testimony before the House Financial Services Committee earlier this year.

“Elections have consequences,” Mulvaney tells bankers

Major gearshifts at CFPB—or is it BCFP?—should be no surprise, acting director says
Contingency liquidity plans work well right up until the point where the stop working, warns Jeff Gerrish. A "black swan"—an unforeseen event—may trigger a calamity.

Rolling snowballs, black swans, and bank liquidity

Community banks’ ALCO game’s flipping—don’t misstep
The continuing movement of artificial intelligence into banking will be more a blend of human and machine, rather than "the robots are taking over."

AI may join banker and machine

Not a rivalry, but a partnership, predicts Accenture’s McIntyre in wide-ranging interview
The human element may come to play a greater role in nonbank online lending.

Fintech business lenders evolving

Square, Intuit, OnDeck, and Kabbage look ahead
ALCO Beat articles featured exclusively on bankingexchange.com are written by the asset-liability management experts at Darling Consulting Group.

The bear is waking up

Should your bank kick it awake? Or hope it naps again?
Community banks enjoy no special safety net to protect them against the growing trend towards digital channels.

Digital is not optional

Community banks must deliver a strong digital. Multi-channel can be a distraction
With a nod to pop music, veteran John Byrne’s blog scans the anti-laundering and anti-terrorism world. John pierces silliness and inconsistency, and strongly believes in private-public partnership.

“Nobody But Me”*

An unacceptable answer to who owns an account
In our breakneck modern pace, we think we have it all figured out. As author Lewis Carroll once said, "The hurrier I go, the behinder I get."

Don’t risk brand on untested ads, products

Competitive rush leads to shortcuts. “Agile” research can help
As Community Reinvestment Act regulatory reform begins to take shape, the Treasury Department appears to be taking a greater role in the process than is typical.

Curtain rises on CRA reform

Treasury involvement could be catalyst to bring regs into 21st century
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