Banks Navigate Surging Deposits, Tepid Loan Activity since COVID-19 Onset
White, Carl (2021-08-31)
A surge in deposits in 2020 has created excess liquidity for banks. They are also facing tepid loan activity and lower yields on other types of investments.
On the Economy

Fed Releases Proposal for CRA Reform, Seeks Comments
White, Carl (2020-10-29)
The Fed and the OCC have both issued proposals for reforming CRA regulations. How do they differ?
On the Economy

Fed Adopts Guidelines for Master Account Access to Its Payment Services
White, Carl (2022-09-06)
The Federal Reserve in mid-August issued guidelines for evaluating nontraditional financial firms’ requests for master accounts to access the Fed’s payment services.
On the Economy

Bank Term Funding Program Provides Liquidity to Depository Institutions
White, Carl (2023-04-11)
The goals of the newly created BTFP are to bolster depository institutions’ capacity to safeguard deposits and ensure the ongoing provision of credit to communities and the broader economy.
On the Economy

Bank Supervision Adapts to Pandemic Challenges
White, Carl (2020-08-10)
Communication between bank management and bank supervisors will remain vital to understanding the challenges banks are facing.
On the Economy

Fed Touts Strong Banking System in Supervision Report
White, Carl (2022-06-27)
U.S. banking conditions remained strong overall in the second half of 2021, with robust capital and liquidity, in addition to improved asset quality.
On the Economy

Banks See Challenges from Fintech Disruption
White, Carl (2021-04-29)
While banks have lost market share to fintech firms, they have also benefited from new financial technology—such as the use of RegTech and SupTech.
On the Economy

Bankers Cite Economy, Cybersecurity as Top Risks
White, Carl (2022-11-14)
In the CSBS 2022 National Survey of Community Banks, the economy and cybersecurity were ranked as top risks for community bankers.
On the Economy

Community Banking Conference Highlights Risks Industry Faces
White, Carl (2024-01-18)
Risk in its various forms and how it is evaluated was a prominent theme at a fall gathering of academics, bankers and regulators. A blog post summarizes some key findings presented.
On the Economy

Higher Deposit Costs Continue to Challenge Banks
White, Carl (2024-09-27)
Though the Federal Reserve has begun its easing cycle, U.S. banks continue to face the impact of having to pay higher interest rates on their deposits, a key funding source.
On the Economy