6/1/2021
The consumer credit recovery continued in the fourth quarter of 2020, building off trends established last fall, according to the ABA’s latest quarterly Credit Card Market Monitor.
6/1/2021
Six months into his administration, Biden has veered toward the hard left and is getting accolades from the same progressives who were skeptical of his leadership.
4/1/2021
In addition to dealing with the pandemic, President Biden has two other policy goals he campaigned on: the need for greater diversity, equity and inclusion in all aspects of American life and the fight against climate change.
3/1/2021
As we go to print for the March edition of Texas Banking, it is the end of an icy February week that brought our state its worst winter weather event in decades.
2/1/2021
Banks have led as economic first responders during the pandemic, even as some government partners changed the rules of the Paycheck Protection Program and other relief efforts.
1/1/2021
The dawn of 2021 provides the opportunity to turn the page and to have fresh perspective.
1/1/2021
Although COVID-19 will continue to cause economic fallout, Texas is positioned for growth as the ‘new normal’ is reached.
12/1/2020
With the challenges and change that 2020 threw at the banking industry, one thing we can say about the year is that it gave Texas bankers the opportunity to shine.
11/1/2020
You will also find no better witness to the nobility of character than Texas community bankers during this challenging year — from working tirelessly to save jobs and small businesses to contributing hundreds of thousands of dollars to feed neighbors
11/1/2020
Will Congress do anything to help small businesses? There is currently a standoff on another round of COVID spending. Most likely, it will depend on which party wins the presidency and which party controls the Senate.
10/1/2020
A prominent line-up of state and national lawmakers, regulators, business leaders and economists presented at TBA’s two-day Texas Economic Resilience Summit.
10/1/2020
Part of the mandate given to the CFPB was Section 1071, which
amended the Equal Credit Opportunity Act to require financial institutions to compile, maintain and submit to the bureau certain data on applications
for credit for women-owned, minor-
10/1/2020
With Cybersecurity Month upon us and the Nov. 3 elections just days away, our thoughts turn to the implications of possible cyber-sourced election disruption.
9/1/2020
While most attention is being paid to potential changes in environmental policies, corporate taxation and immigration law, it is worth considering what may happen on banking issues in the regulatory agencies and on the legislative front.
9/1/2020
This year the COVID-19 pandemic presents a rare opportunity to reset the discussion in the bank versus credit union debate and provide long-straddling elected officials and candidates with new facts.
9/1/2020
Credit card purchase volumes fell in the first quarter of 2020 as the economy entered its first recession in a decade.
8/1/2020
On June 29, the Supreme Court ruled in the Seila Law decision that the structure of the Consumer Financial Protection Bureau violated the separation of powers doctrine.
8/1/2020
The ease — or difficulty — of the PPP forgiveness process will ultimately define the success or failure of the program for both PPP small business borrowers and lenders.
7/1/2020
For the first time, the Fed was directed to get into the lending business due to the CARES Act mandate and over $450 billion in appropriations to cover any loan losses.
7/1/2020
“In God We Trust. All Others Pay Cash.”
The first thought that ran through my mind was that banks should have posted this message for the government at the launch of the PPP.
7/1/2020
Despite unprecedented turmoil due to COVID-19, there are reasons for banks to remain optimistic
6/1/2020
The effect of nonperforming and underperforming loans in community bank portfolios continues to be a concern.
6/1/2020
“Interim Final Rule.” Interim and final? Only the government could come up with something so bureaucratic and official yet “oxymoronic.”
6/1/2020
This month, I’m going to discuss some of the extraordinary efforts your association has taken during this pandemic to help its members, the industry, Texas communities and small businesses.