Allyssa Beird

As the banking industry embraces new technologies, criminals are becoming equally innovative, especially when it comes to ATM fraud. For banking professionals, mastering the intricacies of ATM fraud is essential to securing assets, safeguarding customer data, and upholding trust. Confronting…

Banks face significant challenges in growing their deposit bases in an era of unprecedented competition and evolving consumer expectations. Modern financial institutions must deploy innovative and customer-centric strategies to attract and retain depositors. This article explores fourteen effective deposit growth…

The banking industry has undergone a remarkable transformation in the era of digitization, enabling seamless transactions and improved customer experiences. However, with these advancements come sophisticated threats that target digital banking platforms. Banking professionals must remain vigilant and informed about…

EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is a metric that often sparks lively debate among financial professionals. Stripping out the cost of certain expenses may provide a clearer picture of operational performance, but is it always reliable? Understanding…

A fair lending risk assessment is a critical process financial institutions use to ensure they comply with fair lending regulations. These laws aim to prevent discrimination in lending practices and ensure equal access to credit for all consumers. By evaluating…

The Credit Card Competition Act is a piece of proposed legislation aimed at increasing competition in the credit card industry by reducing the dominance of major credit card networks, primarily Visa and MasterCard. This act seeks to provide merchants with…

Regulation CC, part of the Federal Reserve’s regulatory framework, governs the availability of funds and the collection of checks in the United States. Established to provide uniformity and clarity in banking practices, it aims to protect consumers and ensure that…

Even with advances in fintech, debit cards are still a popular and convenient payment method for consumers. However, disputes can present a significant challenge for financial institutions that issue debit cards. Unlike credit cards, where the bank holds the initial…

Fair lending laws ensure that all individuals receive equal treatment in the application and approval processes for various types of credit. Violations of these laws can occur in numerous forms and can lead to significant legal consequences for financial institutions.…

The real estate industry is witnessing one of its most significant transformations in recent history. In a landmark move, the National Association of Realtors (NAR) has settled an antitrust lawsuit with groups of home sellers, agreeing to abolish rules on…