ABA Banking Journal
April 13, 2018

This ABA Banking Journal newsletter is a free, twice-monthly supplement to the ABA Banking Journal magazine intended to help you stay on top of industry and policy news. You can also stay abreast of banking news by visiting aba.com/BankingJournal, home to ABA Daily Newsbytes and other email bulletins.

Industry News
As competition and lending picks up, we want more opportunity and less risk. It seems like a good time to remind everyone about the guaranty programs out there and how partnering with them can offer your customers more opportunities to access capital. (ABA Banking Journal)
From chatbots that answer questions about personal accounts and bill payments to dashboards that display individualized account information and advice on how to better manage money, personalized offerings have become the norm in the financial services space. (PYMNTS.com)
Data Center, Inc. (DCI)
Over the past 15 years since they were created, health savings accounts have grown to 22 million accounts totaling $45.2 billion in assets — and assets are expected to surpass $60 billion by 2019. This fast-growing market represents a strong business opportunity for banks, according to two experts speaking on the latest episode of the ABA Banking Journal Podcast that is sponsored by WEX Health. (ABA Banking Journal)
From assisting with compliance behind the scenes to improving the customer experience on the front end, bankers are finding tremendous value in technologies like artificial intelligence. (ABA Banking Journal)
Consumer credit increased at a seasonally adjusted annual rate of 3.3% in February, down from a 4.9% rate in January. Total outstanding credit increased $10.6 billion during the month (compared with $15.6 billion in January) to $3.87 trillion. (ABA Banking Journal)
ACL Services
White Paper: KRI Basics for Financial Institutions
Key Risk Indicators (KRIs) are essential in providing early warning signals when risks move in a direction that may prevent the achievement of strategic objectives. But a key challenge that remains is where to even get started. This white paper will provide you with a foundational understanding of KRIs, examples of KRIs for banks and credit unions and guide you to getting started with your own KRI program.
Get access now >>
Policy News
The ABA and state bankers associations across the country have sent letters to congressional leaders urging the House to pass S. 2155 — the Senate-passed regulatory reform bill — "as soon as possible." The associations noted that the bill contains numerous provisions championed by members of the House Financial Services Committee in recent years. (ABA Banking Journal)
The Federal Reserve and the OCC have proposed a rule that would tailor the enhanced supplementary leverage ratio that applies to the largest U.S. banking organizations. Instead of the current fixed leverage standard, the agencies would apply the ratio to each firm’s risk-based capital surcharge, which itself is based on firm-specific characteristics. (ABA Banking Journal)
Computer Services Inc
BlackBerry Ltd.
The Consumer Financial Protection Bureau is revisiting several rules as it considers whether they impose "unnecessary burden or restrict consumer choice," Acting Director Mick Mulvaney told the House Financial Services Committee this week. (ABA Banking Journal)
The Federal Reserve’s preferred gauge of underlying U.S. inflation is poised to hit policy makers’ target for the first time in almost six years. Well, almost 2 percent: Analysts at Goldman Sachs Group Inc. and Morgan Stanley are projecting a 1.96 percent reading, ahead of data due April 30. (Bloomberg)
Harland Clarke
7 Rules for Killer (and Impactful) KPI Building
Seven best practices for determining which key performance indicators are critical to your financial institution’s success.
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