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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.

Now mortgage reporting offers more choice in which rules to follow, after CFPB changed the rules.

CFPB gives some mortgage lenders reporting choice

Bureau also proposes changes to the availability of HMDA information
A tug of war is underway between post-Durbin strategies of large banks and small, and some consumers are steering around it with an unlikely alternative.

Card interchange outpaces overdraft income

Reward programs make credit cards more profitable than overdraft fees
With debit usage moving ahead, will cash go away? How does this affect the competitive picture?

Is cash on the road to extinction?

Debit cards have overtaken cash as most-common method of payment
American Express handled territorial credit card business through a separate operation from that doing business on the United States mainland..

CFPB penalizes Amex for alleged discrimination

Bureau claims consumers in P.R. and other territories harmed by inferior card terms
Today banking has to be everywhere. But what's the right balance of digital and physical presence?

Branch angst drives divergent strategies

"Still Crazy After All These Years" sums up ongoing debate
New CFPB overdraft forms draw compliments—and questions

New CFPB overdraft forms draw compliments—and questions

“Know Before You Owe” disclosures will be clear, but the research behind them is not.
Many rate-sensitive borrowers actually did better than expected after the Federal Reserve's December rate hike, but that doesn't guarantee they will also be able to dig deeper as rates continue to meander upwards.

Rate-sensitive borrowers weathered December rate hike

TransUnion warns that this doesn’t guarantee that taking on more debt is smart
The CFPB has begun publicly exploring the gathering of data on lending activities with women- and minority-owned businesses. This type of data has been collected on mortgage lending for many years and given rise to fair-lending lawsuits.

CFPB delving into small-business fair-lending

Consumer agency presses forward with Dodd-Frank mandate to gather race and gender data
Real estate experts polled generally see an upbeat outlook for both commercial and residential real estate. Some markets will see issues, however, and potential spoilers can't be ignored.

Real estate forecast: sunny, chance of rain

Survey indicates optimism about housing market, CRE
The work in banking is changing—the skiils, training, and pay of the workforce not always so much. Some banks have shifted strategies as a result.

Can your bank solve the skills puzzle?

As banks transform, employee skills don’t always keep up. Here's how to fill the gap
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