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One Size Never Fits All
Monday, October 05, 2009 (1507 reads)


In the debate on regulatory reform, there has been much discussion of how best to prevent regulatory arbitrage, where banks “shop” for the laxest regulator. Eliminating arbitrage opportunities is very important, but we need to distinguish this kind of negative maneuvering from banks’ legitimate ability to select the charter and regulator that is the best fit for their business model.



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Beyond Bricks and Mortar
Monday, October 05, 2009 (1698 reads)


Less than 10 years ago, Genesee Regional Bank had four locations in Rochester, $40 million in assets and a cease-and-desist order, the result of an employee’s overly ambitious approach to lending. Now the bank has over $180 million in assets with just two branches, no plans to expand its physical locations and a driving commitment to providing the right kind of banking.



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NY Looks to Inject Activity into Housing Market
Monday, October 05, 2009 (1575 reads)


In an effort to stimulate home purchases by first-time homebuyers and other qualified borrowers, New York State has announced a new Mortgage Credit Certificate (MCC) program.



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Better Credit Models Improve Lending Decisions
Monday, October 05, 2009 (1317 reads)


Panicked by the prospect that credit card defaults could rival those of the mortgage meltdown, banks are initiating aggressive recovery programs against borrowers at an unprecedented rate. Our analysis says there is a better way.



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Will We Regulate Like It’s 1929?
Monday, October 05, 2009 (1104 reads)


The banking industry has been hard at work this year telling its story to state and federal lawmakers, repeatedly making the point that the vast majority of banks didn’t engage in the activities that caused the economic crisis, and that regulation efforts should focus on the non-banking institutions seen as the cause of the problems.



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Keep Your Lending Process Moving in the Right Direction
Monday, October 05, 2009 (1219 reads)


As the economy picks up steam, more consumers are now seeking funding on bargain real estate opportunities.



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ACH Comes of Age
Monday, October 05, 2009 (1214 reads)


Given the digital, information-laden age in which we live, it is odd that so many electronic fund transfers are still carried out via data message strings that contain very little information. After all, businesses today are so data-savvy they can predict consumers’ spending habits even before they make purchases based on the historical data collected about them.



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New Banking Channels Need New Security, Too
Monday, October 05, 2009 (1058 reads)


What worries you more? News that hackers have infiltrated the nation’s electrical grid, or that they downloaded the Air Force’s plans for a new fighter plane? How about hackers who trick bank employees into divulging customer information over the phone?



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Embrace the Cloud
Monday, October 05, 2009 (1189 reads)


Less than 10 years ago, cloud computing was seen as experimental. Today, it’s viewed by banks as essential to survival in a new era of increased regulation, public scrutiny, fluctuating transaction volume, and operational austerity.



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Down Economy Reveals Strong Negotiating Hand
Monday, October 05, 2009 (1078 reads)


Computers offer myriad places to store data -- file servers, desktop PCs, or even a laptop that leaves the office on weekends or business trips. Imagine doing that with cash.



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