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U.S. Banker November 2010 Kate Davidson	Unfinished Business: Updating CRA Now that Dodd-Frank is in the books, policymakers are turning their attention to updating the 33-year-old law. Some advice: broaden assessment areas and give more weight to business lending.
U.S. Banker February 2010 Bonnie McGeer	Credit Crunch Helps Credit Unions By playing up how they can help create jobs, credit unions are gaining momentum with their effort to increase the cap on member business lending.
The Motley Fool August 27, 2007 John Rosevear	The Joys of Credit Unions While credit unions aren't the best fit for everyone, they do offer distinct advantages -- tangible and not-so-tangible -- over big regional or national banks.
Entrepreneur August 2003 Crystal Detamore-Rodman	Give 'Em Credit They're not just for car loans and home mortgages. Now credit unions are making business loans.
Knowledge@Wharton	Have Banks, After 25 Years, Made Peace with the Community Reinvestment Act? History and enforcement of the CRA, and how it can be improved.
The Motley Fool January 12, 2007 Dan Caplinger	Go Beyond Banks Credit unions can offer great deals to savers and borrowers alike.
U.S. Banker March 2003 John Engen	Steely Determination, Scrappy Fighting Things are just getting started in the war between banks and credit unions. Utah has become the lightning rod for debate, from bank-backed bills that would impose stiff taxes and "competitive equity" fees on credit unions to mudslinging TV ads and newspaper editorials.
Entrepreneur October 2006 Crystal Detamore-Rodman	A Perfect Union Looking for a better relationship with your bank? A credit union could be the financing solution you need.
The Motley Fool March 9, 2010 Jennifer Schonberger	One Congressman's Solution for Boosting Small Businesses Loans Congressman Kanjorski on lifting the lending cap on credit union loans to small businesses.
U.S. Banker August 2001	Credit Unions Get Bum Rap on Privacy Letter to the editor about the article "Credit Unions, Consumers' Friends?"
U.S. Banker June 2010 Rob Garver	No Joy in Credit Unions' Pain Ongoing capital woes could trigger a wave of consolidation, creating bigger, stronger credit unions and more headaches for community bankers.
The Motley Fool November 16, 2006	Credit Union Pros and Cons Credit unions have advantages and disadvantages for customers; let's review some of each.
U.S. Banker June 2010 Alan Kline	A Modest Proposal for Enhancing CRA If ever there was a piece of legislation that deserves to be stopped dead in its tracks it is Rep. Jeb Hensarling's proposal to repeal the Community Reinvestment Act.
U.S. Banker May 2009 Anthony Malakian	The Other Bailout Industry experts say that a confluence of events brought on by the mortgage market meltdown could be setting the stage for a surge of credit unions converting to mutual savings banks.
Bank Systems & Technology June 1, 2005 Ivan Schneider	If You Can't Beat 'Em, Join 'Em A new bill introduced by a senior member of the House Financial Services Committee would relax regulations for smaller community banks and also reduce their tax liability.
The Motley Fool June 14, 2005 Selena Maranjian	Credit Union Pros and Cons Have you considered maintaining an account at a credit union in addition to or instead of at your local bank? You should. Credit unions have advantages and disadvantages. Here is a review of some of them.
The Motley Fool August 21, 2006 Tim Beyers	Give Yourself Credit You don't need a banker to earn some of the best deals in banking. Sound impossible? It isn't -- provided you know your local credit union.
The Motley Fool January 23, 2004 Selena Maranjian	Credit Union Pros and Cons Credit unions deserve your consideration.
OCC Bulletin August 24, 2005	Community Reinvestment Act The revisions to the Community Reinvestment Act regulations, effective September 1, 2005, include a new test -- the community development test -- for intermediate small banks.
U.S. Banker June 2007 John Tozzi	Union Bank of Cal's Edge Sharpens Its Diversity Success Taking advantage of a little used Fed exemption, one California bank made 263 loans to minority borrowers last year that would have been denied under the bank's usual lending criteria.
OCC Bulletin June 28, 2001	Prohibition Against Interstate Deposit Production The Federal Reserve Board, the Office of the Comptroller of the Currency, and the Federal Deposit Insurance Corporation recently issued updated host state loan-to-deposit ratios that the banking agencies will use to determine compliance...
U.S. Banker May 2007 Lee Conrad	Subprime Mortgages: As the Knot Unravels, A Question Lingers: Why? Consumers and companies following their self-interest are supposed to be guiding forces that drive a capitalist economy. The recent meltdown of the subprime-mortgage market, however, raises the question of whether all participants were headed in that direction.
Entrepreneur July 2010 Gwen Moran	The Bank in Your Backyard Building strong connections with community banks can pay off during uncertain economic times.
Inc. January 1, 2003 Martin Mayer	A Borrower Be Tough economies and easy credit usually don't mix. So why are banks falling all over themselves to lend small businesses money?
National Real Estate Investor February 1, 2007 Ben Johnson	Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns.
CFO March 1, 2007 Rob Garver	Nothing to Bank On Bank executives will undoubtedly spend much of the next year assessing the likelihood and impact of new rules, while at the same time trying to keep earnings growth on its upward trend.
U.S. Banker May 2006 Lee Conrad	Loans in Hurricane Areas Count as CRA Investments Small banks can lend outside their home markets.
Bank Systems & Technology July 19, 2010 Penny Crosman	71% of Lenders to Adopt Online Lending Technology, Survey Finds Study also projects that online mortgage-application volume will triple by 2013.
FDIC FYI November 26, 2002	Quarterly Banking Profile Commercial Banking Performance, Third Quarter 2002 Gains on securities sales keep earnings near record level... Weakness in overseas operations limits industry profits... Margins improve at community banks, decline at larger institutions... Strong mortgage demand fuels growth in loans... Asset-quality problems continue to grow at large banks
U.S. Banker October 2001 Paul Muolo	Endangering the Movement Sure, everybody's out to make a buck. But credit unions? The whole idea behind credit unions is that they're supposed to be non-profit organizations that give their members low-cost loans and safe havens for savings. But now California CUs want to sell shares to outsiders...
The Motley Fool October 9, 2006 Dan Caplinger	Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers.
Financial Planning March 1, 2007 David A. Twibell	Community Investing Special loan funds for underserved communities are popping up like condos. Now you can help clients jump into the lending pool.
OCC Bulletin September 19, 2005	Hurricane Katrina The Office of the Comptroller of the Currency has issued guidance to assist national banks and their customers affected by Hurricane Katrina.
U.S. Banker July 2005	Hey (Freddie) Mac, Can You Spare a Mortgage? Never mind the rising interest rates. The quasi-government firms are rolling out products aimed at low- and mid-income workers to help them become first-time homeowners. They've got banks' attention. But the stock price for both companies has plummeted this year.
U.S. Banker July 2011 Rob Garver	Conversion Conversation Restricted on capital. Burdened by heavy deposit insurance assessments. Threatened with losing their federal tax exemption. Little wonder credit unions are weighing conversion.
Bank Technology News August 2010 John Adams	The Future Looks Smart for Mortgage Tools Considering that retail financial services is more than a decade into the Internet age, the relative lack of penetration of sophisticated mortgage loan application tools is surprising.
The Motley Fool November 22, 2011 Matt Cropp	In Pictures: Banks vs. Credit Unions in the Financial Crisis Credit union advocates argue that their financial institutions rode out the financial crisis better than commercial banks. Are their claims backed up by the numbers?
FDIC FYI November 5, 2003	Financial Education in a Dynamic Banking Environment While consumer credit is more available than ever, technological advances and an array of new consumer products and services have made modern banking more complex. In this arena, it is more important than ever for consumers to be educated about their rights and options regarding financial offerings.
FDIC FYI February 27, 2002	Loan Weakness Spreads; Banks' Defenses Hold Large banks' business loans have been hit hardest by the recession, but some weakening is now appearing for smaller banks and for other kinds of loans...
OCC Bulletin February 9, 2006	OCC Bulletin Subject: Community Reinvestment Act Description: Hurricanes Katrina and Rita The Office of the Comptroller of the Currency (OCC) encourages national banks to help meet the financial needs of their customers and their communities.
FDIC FYI May 18, 2004	An Update on Emerging Issues in Banking Trends in Community Banking... The Declining Number of U.S. Banking Organizations: Will the Trend Continue?... Community Banks: Their Recent Past, Current Performance, and Future Prospects...
IDB America October 2003 Eduardo Lora	Do unions help? They can lubricate the gears of the labor market or make them grind to a halt -- it depends on government policy.
Bank Systems & Technology November 3, 2003 Ivan Schneider	A Professional Confessional hat can a for-profit commercial bank or community bank possibly offer to its retail customers that tax-exempt, not-for-profit credit unions wouldn't be able to imitate? The answer starts with guaranteed innovation.
U.S. Banker March 2008 John Engen	The Politics of Lending Sen. John McCain took time to present his vision of a world with simplified mortgage applications, and even suggested that the government might need to jump in to help mitigate the worsening crisis.
Entrepreneur April 2005 Crystal Detamore-Rodman	Just Your Size Don't make assumptions about a bank's lending methods based on size alone--here's how to find the bank that can help your business cash in.
Bank Systems & Technology April 8, 2010 Penny Crosman	Credit Unions Press Their Post-Crisis Advantage Post-crisis, credit unions are taking it to their bank competitors, soaking up deposits and investing in already-superior online banking capabilities.
Bank Technology News September 2001 Joseph McKendrick	Compliance Gets Complex A changing world brings banks new regulatory challenges...
Entrepreneur June 2002 C.J. Prince	Show and Tell A new act sheds some light on small-business lending to keep discrimination in check...
The Motley Fool August 12, 2004	Understanding Mortgage Brokers For many people, the best way to get a mortgage is through a broker.
The Motley Fool May 15, 2007 Dan Caplinger	Borrow Now or Borrow Never If you're thinking about buying a home, do your homework. Find a lender or mortgage broker early in the process, and get preapproved for a mortgage that will work for you.