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Read the latest on the banking & finance industries in the U.S. with award-winning analysis and in-depth reporting by American Banker.
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News
New auto-loan volumes rise as credit standards weaken
1+ mon, 1+ day ago (772+ words) New auto-loan volumes hit a record high in the second quarter as lenders relaxed their underwriting standards, and the percentage of borrowers falling behind on their payments continued to rise. Auto-loan originations climbed to $211 billion, according to data released Tuesday…...
Louisiana bank faces unusual limits on who it can lend to
1+ mon, 2+ day ago (780+ words) First Guaranty Bank has been contending with credit-quality problems for some time, and now its regulators have devised an unusual way to address the issue: The Hammond, Louisiana, lender will be restricted from extending additional credit to certain borrowers. The…...
Why the consumer-credit outlook for 2H looks cloudier
1+ mon, 6+ day ago (987+ words) Consumer-credit firms' outlook for business conditions deteriorated during the second quarter, reflecting a reversal in interest-rate expectations, as well as a sharp decline in overall loan performance, according to a recent survey of finance lenders. The six-month outlook for business…...
Ally grows despite 'stubbornly high' auto delinquencies
1+ mon, 3+ week ago (828+ words) In recent quarters, Ally Financial has been driving auto loan delinquencies downward, in spite of a highly challenging environment for car owners. Now that progress appears to have slowed. In the second quarter of 2026, delinquency rates on Ally's auto loans…...
Are rising bankruptcies a concern for banks' 2Q earnings?
1+ mon, 4+ week ago (842+ words) Earnings season kicks off Tuesday amid a hefty rise in bankruptcy filings, making credit quality an area to watch. Between Jan. 1 and June 30, total bankruptcy filings climbed 12% over the same period a year earlier, according to the data provider Epiq…...
What's a banker to say when charge-offs are microscopic?
3+ mon, 3+ week ago (846+ words) Among the most important jobs bank CEOs have is shaping the investing public's expectations, trying to limit the possibility of a downside surprise. These days, for BOK Financial President and CEO Stacy Kymes, that means preparing the $53.8 billion-asset company's stakeholders…...
Those 'just in case' credit provisions may come in handy
3+ mon, 3+ week ago (416+ words) Credit, therefore, is paramount. Banks have been socking away a bit more lately to cover bad debts, but in general credit conditions at the banks look good, our John Reosti writes this morning. Loan loss provisions have been growing, but…...
Don't worry, the credit markets are still fine (mostly)
3+ mon, 4+ week ago (566+ words) The business press obsesses over the stock market, but the credit market is the key to everything. Inflation may be rising (it is), consumer sentiment may be in the dumps (it is), the jobs market can be dropping (it isn't,…...
What risks do banks, credit unions face from BNPL?
4+ mon, 5+ day ago (1241+ words) American Banker’s 2026 BNPL Tradeoff Survey was fielded online during March of 2026 among 186 banking professionals who occupy a variety of roles across banks, credit unions, neobanks and payments firms. This item is the end of a series diving into new research…...
Private credit making itself at home at Federal Home Loan Banks
4+ mon, 5+ day ago (283+ words) Private credit is not among the most boring investors out there. Apart from crypto, private credit is one of the most frothy, exotic, excitable, and opaque segments of the capital markets. But Citi must feel pretty good about its position…...