ABA DataBank: Inside bank decision-making on liquidity and contingent funding
Results from an ABA member survey shed new light on how banks really use liquidity sources and possible reforms.
Commercial Lending
Study: CDFI microloans lead to better business outcomes for borrowers
A recent study of community development financial institution small-dollar loans to microbusinesses found that most borrowers improved their business outcomes,...
Bill seeks to boost FHLB member funding of community development projects
Lawmakers in the Senate and House have introduced bipartisan legislation to eliminate a regulatory hurdle for Federal Home Loan Bank...
Bill would prevent states from imposing lending rate caps on out-of-state banks
Two lawmakers have introduced legislation to prevent states from imposing interest rate caps on loans from out-of-state chartered banks and...
Loans to non-depository financial institutions: new granularity and a rapidly growing segment
These entities play a central role in credit intermediation outside the traditional banking system.
Fed survey: Lending standards tightened for commercial loans in Q4
Banks expect lending standards generally to remain unchanged and demand to strengthen across all loan categories in 2026. Banks also...
ABA DataBank: Loan standards stabilize and demand rebounds in Q3
The Fed's October 2025 Senior Loan Officer Opinion Survey highlights that banks saw demand rebound after the collapse in Q2,...
A new kind of ‘community bank’ for small businesses
Small business owners' priorities and how banks can meet their needs in 2026, from SBA lending to succession planning and...
Study: FHLBank advances boost community lending
Federal Home Loan Bank advances are “strongly associated” with higher lending across banks and credit unions, particularly following the 2008...
OCC, FDIC issue clarification on lending to bank insiders
The OCC and FDIC said they will not take action against banks for extensions of credit to complex-controlled portfolio companies...
