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Only Consolidation Will Save American Community and Regional Banks
BY KEVIN STEIN Over my thirty-five years in the banking sector, I’ve witnessed the number of FDIC-insured depositories decline from...

Kevin Stein
Jul 10, 20232 min read


Post-GFC Bank Investments by Private Equity, Part 1: The Regulatory Playbook
BY JONAH CRANE, BRIAN GRAHAM, AND KEVIN STEIN Once again, the banking system is under stress and banks are in need of additional capital....

Jonah Crane
Jun 1, 20236 min read


Regulators Need to Finish the Job of Curbing Faulty Banker Incentive Compensation Arrangements
BY MICHELE ALT In the Fed report analyzing the dramatic collapse of Silicon Valley Bank (SVB), Michael Barr, the Fed’s vice chair for...

Michele Alt
May 12, 20232 min read


Banks at a Crossroad
BY VINCENT CUROTTO On Weds. May 3, just hours after Jerome Powell assured the public that the U.S. banking sector was “sound and...

Brian Graham
May 5, 20232 min read


Bail-In Out: What Happened to Bondholders in the UBS–Credit Suisse Merger?
By PATRICK HAGGERTY Following the announcement over the weekend that Swiss regulators had forced through an emergency acquisition by UBS...

Patrick Haggerty
Mar 23, 20237 min read


Redefining Who's "Unbanked" in America
By MARY DENT & TRACY BASINGER The FDIC’s biennial national survey of unbanked and underbanked households has been the “go to” reference...

Mary Dent
Feb 16, 20233 min read


How Fintech Partnerships Can Help Mid-Sized Banks Solve Their Funding Problems
BY JONAH CRANE Over the past year, the Federal Reserve has raised interest rates at the fastest pace in history, and quickly rolled back...

Jonah Crane
Nov 15, 20222 min read


Regulatory Pressure on BaaS is Mounting at a Critical Juncture for the Industry
BY PATRICK HAGGERTY Banks have been providing back-end services that enable nonbanks to offer financial services to their customers for...

Patrick Haggerty
Oct 4, 20223 min read


Potential Fraud Risk Management Pitfalls for Banks and Fintechs
BY CHRISTINA HUNT-FUHR Fraud is everywhere in financial services. It’s increasing in both volume and cost, now accounting for up to 5% of...

Christina Hunt-Fuhr
Sep 27, 20221 min read


Acting Comptroller Hsu’s speech - the tip of a new regulatory iceberg
BY BRIAN GRAHAM A lot of folks in fintech are still talking about Acting OCC Comptroller Michael Hsu’s recent speech, which among other...

Brian Graham
Sep 21, 20223 min read


CFPB Targets Digital Marketers: Practical Implications for Banks and Financial Institutions
BY STEPHANIE WHITE BOOKER AND PAUL MARKER My Klaros colleagues Lauren Sartwell and Siena Marr explained the Consumer Financial...

Paul Marker
Sep 13, 20222 min read


BaaS is the best path forward for community banks
BY VINCE CUROTTO Community banks are vital. According to the Office of the Comptroller of the Currency, “These institutions play a...

Brian Graham
Aug 25, 20221 min read


Partner Banks: Don’t be the Naked One
BY JOSHUA DIAMOND The Oracle of Omaha Warren Buffett’s famous quote, "Only when the tide goes out do you discover who's been swimming...

Brian Graham
Aug 1, 20222 min read


The Interagency CRA Proposal Redefines Financial Inclusion
BY TRACY BASINGER Time is getting short for bankers to submit comments on the proposed interagency revamp of the Community Reinvestment...

Tracy Basinger
Jul 25, 20223 min read


Klaros Insights: Trends in New Bank Charter Applications (2017-2021)
By Andreas Westgaard, Michele Alt, and Gabriel Yeung At Klaros, we’re in the bank design business. Our partners and staff work with a...

Brian Graham
Mar 23, 20223 min read


Klaros Insights: Fed Proposes Tiered Approach to Master Account Applications
By Jonah Crane and Patrick Haggerty Last week, the Federal Reserve Board (Board) issued a supplement to its proposed guidelines for...

Jonah Crane
Mar 8, 20224 min read


Pride Month and Banking: It’s About More than Rainbow Flags
It’s Pride Month, and corporations of all types are waving their rainbow flags. It’s easy to see why: a recent Hornet/Kantar study found...

Michele Alt
Jun 23, 20212 min read
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