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Credit Risk - Banking Exchange
National banks should get back into smaller consumer installment loans, and can confidently proceed knowing the Comptroller's Office approves of the concept, according to policy document issued this week.

Make small consumer loans, OCC urges

New bulletin meant to send signal of agency acceptance
Careful users of alternative forms of borrowing may prove to be good prospects for traditional installment credit, according to TransUnion.

Alternative loan borrowers may be traditional prospects

Debt management ability found among users of payday and other short-term credit
“There’s really not much that indicates we’ve learned anything new over the last several cycles,” says veteran lender and CEO Ed O’Leary. He aims to fix that.

Where will lending talent grow?

Human element takes time and effort to train
Credit card usage hits all-time high

Credit card usage hits all-time high

Delinquencies up, but overall performance positive
The CECL countdown is longer for some, but the clock is running for all banks.

Few community banks ready for CECL

4 in 10 plan to outsource new rule’s requirements
Sometimes the smartest thing a banker can do is to accomplish two key tasks simultaneously.

Biggest CECL mistake most banks will make…

… and how to avoid it
“There’s really not much that indicates we’ve learned anything new over the last several cycles,” says veteran lender and CEO Ed O’Leary. He aims to fix that.

“How’s business?”

Always a timely question, today’s answers should prompt caution
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
“There’s really not much that indicates we’ve learned anything new over the last several cycles,” says veteran lender and CEO Ed O’Leary. He aims to fix that.

What will credit training look like in ten years?

What you do today will produce tomorrow’s credit experts
Fed research indicates fewer small business loans are being made face to face, with small business credit cards and fintech online business lending gaining share.

Is community bank small business lending eroding?

Fed’s Quarles traces evolution of big bank and fintech competition
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