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. 103, No. 6, June

Banking Lawyer on a Fast Track: Former Fed Attorney Has His Walter Mitty Side
Formal, staid, hushed ... That's how Federal Reserve headquarters in Washington, D.C., is. Those who work there are normal enough, but it's hard to think of them doing anything really exciting--like teaching people how to drive a sports car around...
Banking's Top Performer's 2011: Opportunistic Deals and Increased Lending Led the Way
The year 2010 left community banks with more questions than answers. How can smaller banks best compete with their larger counterparts in a low-rate, slow-growth environment? How will the myriad of new regulations coming out of the Dodd-Frank Act impact...
Bank Sponsors and Runs Child ID Program
Banks pay a great deal of attention to the dangers of identity theft, so it was not too surprising that the Sheriff's Office in Okaloosa County, Fla., approached Tony Hughes, president and CEO of Beach Bank of Fort Walton Beach, about sponsoring the...
Costly Consequences of BSA Complacency: Federal Anti-Money Laundering Enforcement Hits Banks in the Wallet
[ILLUSTRATION OMITTED] Federal enforcement of anti-money laundering compliance has been picking up. In 2009, there were two fines against two banks while, in 2010, there were seven fines against five banks. Of greater note, as recently pointed out...
Credit "Cs" Can Be a Mirror: Ask Ourselves How We're Doing from Customers' Perspective
The Cs of Credit are as old as the hills--Character, Capacity, Conditions, Collateral, and Capital, listed in my own order of priority based on personal experience. They are as relevant as ever. [ILLUSTRATION OMITTED] As our industry has struggled...
Don't Get Lost in UDAAP: How to Find Your Way as Regulators Shift Focus to Unfair Deceptive and Abusive Acts and Practices
[ILLUSTRATION OMITTED] Bank compliance spending and staffing move in only one direction: up. That's been true since the consumer movement arrived 40 years ago, and it is alarmingly true today. The massive mandates flowing from Dodd-Frank, combined...
Do You Have the Seal? an Interview with John Wolff, President, Corporation for American Banking, an ABA Subsidiary
Q ABABJ: What differentiates CAB's products? John Wolff: Due diligence has become our hallmark. It's a nine-month process that begins with listening to bankers, running focus groups, and doing surveys to identify needs--and then trying to find...
Fair Warning-It Won't Work
A year ago, consultant Jo Ann Barefoot did the industry a service in her cover story on the emergence of "UDAP"--unfair and deceptive acts and practices--as a broadly applied standard by which banks would be measured. Since then, UDAP has been incorporated...
How to Get Noticed Online: "Search," "Surf" and "Social" Strategies for Community Banks
[ILLUSTRATION OMITTED] Gone are the days when you could count on the lure of online banking to produce the type of traffic a bank needs to grow its online customer base. Community banks especially must develop a strategy to ensure that consumers...
Lock in Your Web Brand: Why a West Virginia Community Banker Keeps Buying Web Addresses
[ILLUSTRATION OMITTED] Some bankers collect coins. Some bankers collect stamps. Some collect vintage cars, hunting decoys, Southwestern art, or antique firearms. Brian Thomas collects website addresses. But for Thomas, this is no mere pastime...
Need It Now! Banks Are Getting Serious about Business Intelligence. They Have to, in Order to Cope with Market and Regulatory Demands
[ILLUSTRATION OMITTED] Why is business intelligence (BI) gaining more traction these days? As a methodology to identify, extract, and analyze meaningful information from data to improve business decisions, the concept has been around for decades....
New ".Bank" Internet Domain Coming Soon?
Interchange, Consumer Financial Protection Bureau issues, implementation of the Dodd-Frank Act. These are some of the policy priorities ABA has been working on. But there's a very different type of issue on the horizon that ABA has also been working...
New Life for Arbitration? Assessing Supreme Court's Concepcion Decision
The last few years have not been particularly kind to arbitration. The use of mandatory arbitration provisions in customer agreements has declined sharply in the banking sector, partly in response to litigation filed (and then settled) by the Minnesota...
No Guests at Reg Q's Retirement Party? Interest on Business Checking Ban May Go out with a Whimper
[ILLUSTRATION OMITTED] It's not often that the reversal of a banking law going back to the Great Depression draws a low-key response from the industry. But a combination of factors results in most banks not making the repeal of restrictions on...
The Headache: Generation Y Working in Your Bank
In the March issue Pass the Aspirin featured several answers to a question about working with Gen Y employees. Since then, additional comments have been posted online by bankers both as Gen Y employers and as Gen Y employees. You can check this out...
U.S. Budget Deficit Must Shrink
Both Republicans and Democrats appear to agree that the U.S. has a problem with its federal budget deficit. That said, there seems to be little consensus on how the deficit should actually be reined in: Most Republicans still seem to believe that...
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