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Melanie Scarborough

Melanie Scarborough

Melanie Scarborough is a contributing editor for Banking Exchange magazine and www.BankingExchange.com. She is based in Washington, D.C.. Scarborough was senior editor of Community Banker, where she received the APEX award for feature writing, and a regular contributor to ABA Banking Journal. Melanie previously was an associate editor of the Richmond Times-Dispatch in Richmond, Va., and a monthly columnist for the Washington Post.

CFPB believes there have been breakdowns in mortgage servicers' compliance performance.

CFPB weighs in on mortgage servicing

Tech failures and process breakdowns no excuse for violations, agency warns
OCC's recent responsible innovation forum explored how fintech and other new ideas could better serve American consumers.

Better serving beleaguered consumers

OCC forum session explores helping consumers via fintech
Banking rural America

Banking rural America

Rural communities need capital—and connections to their bankers
Multiple population trends impact the mix and needs of rural area populations.

Rural America’s population evolves

Demographic shifts revamp rural communities and drive shifts in housing needs
Still a housing crisis in rural America

Still a housing crisis in rural America

Persistent and daunting challenges face country communities
No more getting carded at the ATM

No more getting carded at the ATM

Bank of America eliminates the need for its debit customers to carry plastic
“Online lenders are promoting a frictionless process,” says Brad Smith of Cornerstone Advisors. “Banks are still asking for tax returns.”

Frenemies in the marketplace

Are marketplace lenders irritant? Foe? Or ally? Yes—and don’t ignore them
Maine's Androscoggin Bank is one of 15 institutions currently offering the Wealth Builder mortgage, invented by a pair of think tank experts.

Building home-based wealth

Innovative mortgage design builds equity faster
New three-partner program aims to increase homeownership opportunity.

B of A rolls out Affordable Loan Solution

Partnership provisions designed to minimize risks of 3% down program
OCC ends consent orders on U.S. Bank, Santander

OCC ends consent orders on U.S. Bank, Santander

Banks to pay $13.4 million in penalties to have restrictions lifted in aftermath of robo-signing cases
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