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Oct 9, 2014 12:30:00 PM

Community Banking News Roundup – Basel III, HELOC and Managing your M&A

HORNE believes in taking a windshield view of the future. That means continually gathering and reviewing information and intelligence about key regulation, compliance issues and economic trends that will have an impact on the direction that the banking industry takes going forward. 

From Mergers and Acquisitions (M&A) to the implications of Basel III, to the end of draw period for HELOC borrowers, here are a few of the topics we recommend you keep on your radar, and some of the questions we all should ask as we navigate change and risk.

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Topics: Basel III, HELOC, Federal Reserve, M&A

Aug 21, 2014 10:00:00 AM

Is Your Financial Institution Prepared for the Rising Credit Risk of HELOCs?

The Federal Reserve is set to end its downward pressure on interest rates by the end of 2014, coinciding with the end-of-draw period for many HELOC borrowers. It poses what many in the housing and financial industries are labeling a crisis level risk. 

History has shown that rates can change quickly. In fact, the Federal Reserve raised the target federal funds rate from 1% to a high of 5.25% from 2004 to 2007. 

As we know, even small interest rate increments can cause major pain for borrowers. And many HELOC loans are already experiencing credit problems.

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Topics: Lending, HELOC