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Globalization, increased regulations

Globalization, increased regulations, product commoditization, and decreasing margins are just a few of the challenges facing the financial services industry. Meeting these challenges will likely lead to transformations and innovative business models as the industry implements new technology and operational practices, alternate service models, and more comprehensive risk management and compliance frameworks. As aB2B research and information hub serving the global banking, insurance, and capital markets industry, FSOkx is at the forefront of helping organizations achieve operational efficiency, comply with regulatory requirements, and return to profitability.

Lenders Begin to Think Outside the QM Box

In June, Fannie Mae surveyed lenders on whether or not they planned to pursue non-Qualified Mortgage (QM) loans, the loans that do not meet Fannie Mae and Freddie Mac’s underwriting requirements under the new rules that took effect this year.

Assessing Future Risk

For many, the financial crisis of 2008 served as a dividing line, ushering in a new era for insurers, marked by increased regulatory scrutiny and mounting cost pressures.

Current State of HMDA Reporting

When the Consumer Financial Protection Bureau (CFPB) proposed new rules to improve the Home Mortgage Disclosure Act (HMDA) reporting, it aimed to better collect data for enhancing transparency and promoting fair lending in the mortgage market.

For Mortgage Industry, Big Data Signals Opportunity and Risk

A preview of 2013 Home Mortgage Disclosure Act data that is expected to be formally released in September indicates that mortgage applications were down 8 percent from the year earlier and loan denials were up a sharp 13 percent.

Challenges for the Lending Industry

The mortgage industry has continued to undergo significant changes in 2014. With the end of the refinancing boom, and the introduction of new regulatory reforms early this year, the industry is facing severe cost pressure and margin compression.

Data Challenges in the Mortgage Industry

For years, the mortgage industry has battled for market share and short-term profits. This has led most technology spending into systems for quick processing, securitizing loans, and loan servicing.

Are Community Banks Here to Stay?

For several years now, there have been rising concerns in the financial industry over the constantly declining numbers of community banks.

Re-Shifting Focus on Bringing Customer to the Center

Banks have long maintained that the customer is at the heart of the business model, while in reality their efforts have focused on introducing complex and complicated products.

Rethinking Reference Data Management Are Managed Services the Way Forward?

For years now, faulty reference data has been identified as a leading cause of operational risk within firms. According to Tower Group, in spite of the millions of dollars invested by financial services companies in middleware technologies to integrate key trading systems, one in ten trades still fail due to poor reference data.

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