ABA Banking Journal

Founded in July of 1908, ABA Banking Journal online contains the complete text of ABA Banking Journal, a monthly magazine on commercial bank operation and management published by Simmons-Boardman Publishing Corp. Articles cover employee relations, recruiting and training. Subjects in the magazine also include installment, mortgage, commercial, and industrial lending as well as correspondent, foreign, and retail banking; deposit gathering; bank cards; asset and liability management; data processing and telecommunications; security; government relations; and legal and regulatory developments. The publication also provides a calendar of ABA-sponsored courses, seminars and workshops. William W. Streeter is the Editor-in-Chief and Robert DeMarco is the Group Publisher/Senior Vice President. Steve Cocheo is the Executive Editor and Andrea Rovira is the Editorial Assistant.

Articles from Vol. 91, No. 5, May

ABA Newsletter
Consumer credit on track The rate of growth of consumer credit continued to decline, the growth of credit card outstandings increased, home-equity lending increased, and the number of delinquent accounts rose slightly in 1998, according to four...
A Promise Worth Keeping
The New York Museum of Modern Art. United Airlines. The National Basketball Association. Landscape architects. Miss America. Kareem Abdul Jabar. The American Hospital Association. A growing number of banks of every size across America. And even Idaho...
Are New Fair-Lending Procedures an Unwelcome Blast from the Past?
As I read the regulators' new interagency fair-lending procedures, a vaguely familiar rallying cry formed in my mind: "Performance, not paperwork!" Still, the jury is out on the success of the CRA reforms. Meanwhile, though, the examination process...
Did Y2K Deep Freeze Data Processing?
It depends on who you ask--yet all agree, a thaw is coming By now, bankers have grown tired of hearing about the millennium hug and its numerous peccadilloes. With remediation all but accomplished and contingency plans on the shelf for safekeeping,...
E-Commerce Is Here. Do You Have a Plan?
Two new ABA conferences focus on the new marketplace: a July forum on the "e-customer," followed by the Future Payments Conference in September Ariba? eBay? E.piphany? Cisco? Destiny Software? USWeb/CKS? A complete event in its own right, the...
Farmers Streamline and Hope for Better Prices
Ag banker Steve Lindholm says renewed interest in better farm management is busting out all over Clarkfield, the southwestern Minnesota town of 1,100 where he hangs his hat as president and CEO of Farmers & Merchants State Bank. Keeping up with...
Interactive Broadcast Messaging
Want to execute better customer service campaigns? The International Teledata Group so believes in its recently introduced telemarketing service, Ventriloquist, that the company has been giving it away in test trials. Offered to direct marketers or...
Is There a Monetary Union in Our Future?
Two recent developments are spurring interest in the possibility of monetary union in the Americas (AMU). 2. The Brazilian crisis, and its ripple effect around the region, has revived the debate over what sort of exchange rate regime is feasible...
Mailbox
To Sign, Or Not To Sign, Is The Question Q. Does a borrower have to sign the HUD-1 or HUD-1A? I noticed that there is a signature line for the borrower on the HUD-1A, but none appears on the HUD-1. A. Although the signature line appears on the...
Modern Call Center Handles Web Mail, Too
For Toronto-Dominion Bank, selling the 40 or so financial products represented on its Web site and via call centers requires a back office that's run with military precision--which is exactly what they've put together. It wasn't always this organized....
More Vendors Not Testing Older Products
Perhaps fearing Y2K's latent sting, many technology manufacturers with alder products are simply indicating "vendor will not test," when asked to declare compliance status on many individual, as yet unevaluated, products. This news comes from the...
New Faith in Collateral Protection Insurance?
"I hate you guys, but I need you," said a manager from one of the captive auto finance companies to John Pearson at a recent trade show. Pearson is senior vice-president and national sales manager of State National Companies, a major provider of collateral...
One Bank's Response to the Online Trading Boom
The ability to invest in stocks and mutual funds has been the hottest trend in online financial services. This comes as no surprise, given the sea change in investing preferences over the past 20 years. Today, some 40% of U.S. households own mutual...
Risk-Based Pricing-On the Way?
Maybe not soon, or willingly, but the practice is gaining ground in the conventional market Mortgage lending historically has be en a one-size-fits-all industry, at least as it relates to the rates consumers pay. If the lender's interest rate is...
Surging Securitization
The market gives a thumbs up to a growing list of assets, including bad debts. Lessons from one veteran bank securitizer Just a few years ago, critics viewed banks as economically irrelevant. Some still do, citing increased competition from a long...
The Accidental Comptroller
But for a simple twist of fate, Jerry Hawke might not have specialized in banking law. But he did and now national banks will be regulated by the dean of banking law It's not unusual for officials in Washington agencies to have large, imposing portraits...
Who Can You Trust?
There's a certain similarity between cars and finances, having nothing to do with the financing of a new car. One element shared by these two essential components of modern life is that they both have become so complex as to be beyond the ken of all...
Will Justice Break New Ground with a Plastic ECOA Shovel?
Caught up in a federal fair-lending case, Associates National Bank has vowed to fight Justice Department charges rather than settle out of court--as every other department target eventually has since the legal crackdown started in the early 1990s....
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