The JOBS Act will allow broader marketing of private placements. Take great care when selling these to your bank's financial advisory and wealth management clients. Focus on what suits them.
Accounting for utility and car expenses would help lenders make better loan decisions, encourage homebuyers to select affordable houses and support a more sustainable housing market.
Examining trends in spend activity provides a clear indication of customer engagement, which gives you a keen sense of the overall health of the business.
Limiting the number of overdraft fees could cause consumers to miss important payments, be denied necessities and wind up with negative information on their credit reports.
Maligned after taking heavy losses during the crisis, private mortgage insurance and "senior-sub" securitization structures nevertheless have advantages that could accelerate private capital's return to the mortgage market.
In the past, it was tough for customers to change banks. So, we could charge them-and treat them-pretty much as we pleased. Technology renders switching banks easier and cheaper-making banking more competitive, less profitable.
Even if regulators restrict banks' ability to charge overdraft fees, those consumers who value banks that cover their overdrafts will find a way to reward institutions providing the best service.
