Recent Blog Posts

Our Thoughts On A Range of Topics
November 9, 2018
International Banks May Avoid CECL

New rules to account for loan loss reserves will come into effect in the coming years. Unfortunately there's a difference between US and international rules. This may lead to some 'creative' bookkeeping.

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October 26, 2018
Debt Levels Continue Increase

NerdWallet's Household Credit survey offers some interesting insights into how people build their levels of debt. It also offers insights into how many households are saddled with different types of debt.

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October 24, 2018
Financial Services Disruption Is The Future

China is on the front lines of financial services disruption. Ant Financial (Alibaba) and WeChat (Tencent Holdings) have changed the game there and they -- or other new entrants -- have an opportunity to do the same in more traditional banking markets.

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October 22, 2018
A.I. In The Workplace

There's been lots of hype about how A.I. -- artificial intelligence -- will change the workplace, largely by doing many jobs and putting people out of work. Some firms are starting with baby steps focused on the most mundane tasks. Where does it go from here?

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October 3, 2018
The Next Mortgage Crisis

Are we destined to repeat past mistakes? For mortgages it seems we can't resist. Some research into the development of the mortgage backed securities market helps provide insight into past mistakes and whether we will repeat them again.

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September 27, 2018
Chase Shutting Down Cards

Chase has been aggressively luring new, high spending customers to its credit card products, particularly the Sapphire Reserve Card. While bonuses have been shrinking there are also stories about Chase closing existing accounts. Why?

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September 26, 2018
New Payday Loan Alternative

Payday lending comes at a high cost to borrowers but it may be the only option available to some. Now US Bank is offering a small dollar loan product that may offer relief to some borrowers but at still a high cost.

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September 26, 2018
CECL Delay For Smaller Financial Institutions

The FASB is proposing to delay the implementation date for the new CECL accounting standard. While practical early adoption may be best for most lenders.

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September 26, 2018
Should Information on CFPB Complaints Be Public?

Shining light on industry issues should help consumers avoid future problems. The CFPB makes its complaint database available to the public. With the change in management they're rethinking whether to restrict access.

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September 21, 2018
Wells Fargo's Comeuppance

After a series of scandals Wells Fargo is struggling to grow compared to its peers. Now it's planning to cut its work force by up to 10%. After a series of fines and bad press the real cost of the scandals may be catching up to them.

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