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	<title>BANK TALK &#187; CRA</title>
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	<link>http://banktalk.org</link>
	<description>Exploring the Finances of the Unbanked</description>
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		<title>New Chance to Become Too Big to Fail</title>
		<link>http://banktalk.org/2011/08/29/new-chance-to-become-too-big-to-fail/</link>
		<comments>http://banktalk.org/2011/08/29/new-chance-to-become-too-big-to-fail/#comments</comments>
		<pubDate>Mon, 29 Aug 2011 16:49:13 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[unbanked]]></category>
		<category><![CDATA[Capital One]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[ING]]></category>
		<category><![CDATA[merger]]></category>
		<category><![CDATA[too big to fail]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=3971</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsCapital One&#8217;s intentions to acquire the US subsidiary of ING Group means that the Federal Reserve will have to show that it wants to make sure that our financial system does not become even more highly concentrated in the hands of a just a handful of banks. Critics of the deal are going to say [...]]]></description>
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		<slash:comments>0</slash:comments>
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		<item>
		<title>OCC: More Outstanding Banks!</title>
		<link>http://banktalk.org/2010/04/28/occ-more-outstanding-banks/</link>
		<comments>http://banktalk.org/2010/04/28/occ-more-outstanding-banks/#comments</comments>
		<pubDate>Wed, 28 Apr 2010 20:50:49 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Community Reinvestment Act]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[First Merit]]></category>
		<category><![CDATA[grade inflation]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=2014</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsThe Office of the Comptroller of the Currency has just released its latest CRA exam results. The news is hardly surprising &#8211; everyone passed! In fact, of the 35 banks evaluated, 4 were given an &#8220;outstanding&#8221; and 31 were recognized as satisfactory. There were no &#8220;needs to improve&#8221; or &#8220;substantial noncompliance&#8221; ratings. Grade inflation has [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>More about MetaBank</title>
		<link>http://banktalk.org/2009/12/22/more-about-metabank/</link>
		<comments>http://banktalk.org/2009/12/22/more-about-metabank/#comments</comments>
		<pubDate>Tue, 22 Dec 2009 17:43:39 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Consumer Finance]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[MetaBank]]></category>
		<category><![CDATA[OTS]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1497</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsJackson Hewitt&#8217;s expanded partnership with MetaBank, a small thrift in Storm Lake, Iowa, adds one name to the short list of banks that provide liquidity to national tax prep chains for their refund anticipation loans. But, what or who is MetaBank? MetaBank has $652 million in deposits, with 13 branches, in two states (Iowa and [...]]]></description>
		<wfw:commentRss>http://banktalk.org/2009/12/22/more-about-metabank/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>Mobile Banking in the Third World</title>
		<link>http://banktalk.org/2009/12/09/mobile-banking-in-the-third-world/</link>
		<comments>http://banktalk.org/2009/12/09/mobile-banking-in-the-third-world/#comments</comments>
		<pubDate>Wed, 09 Dec 2009 15:24:19 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Consumer Finance]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[India]]></category>
		<category><![CDATA[mobile banking]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1452</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsHow do these folks bank? Mobile banking? Internet banking? ATM/point of purchase banking Branch banking? OK&#8230;ha ha.  But there is a point&#8230;as our banking system is duplicated in other countries, what assumptions about US banking are relevant, and what notions should be dropped? I believe that mobile banking is the way of the future.  Already, [...]]]></description>
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		<slash:comments>1</slash:comments>
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		<title>More CRA Grade Inflation at the OCC</title>
		<link>http://banktalk.org/2009/11/20/more-cra-grade-inflation-at-the-occ/</link>
		<comments>http://banktalk.org/2009/11/20/more-cra-grade-inflation-at-the-occ/#comments</comments>
		<pubDate>Fri, 20 Nov 2009 20:14:41 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Consumer Finance]]></category>
		<category><![CDATA[Citibank (South Dakota) NA]]></category>
		<category><![CDATA[Community Reinvestment Act]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[Sioux Falls]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1432</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsMinutes ago, the Office of the Comptroller of the Currency demonstrated once again why no one takes their CRA exams very seriously. The OCC released evaluations for 27 banks.  All of the evaluations were made from October 15th through November 14th.  No banks were given any grades that would reflect shortcomings in service, lending, or [...]]]></description>
		<wfw:commentRss>http://banktalk.org/2009/11/20/more-cra-grade-inflation-at-the-occ/feed/</wfw:commentRss>
		<slash:comments>1</slash:comments>
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		<item>
		<title>OCC Sees No Evil</title>
		<link>http://banktalk.org/2009/09/18/occ-sees-no-evil/</link>
		<comments>http://banktalk.org/2009/09/18/occ-sees-no-evil/#comments</comments>
		<pubDate>Fri, 18 Sep 2009 20:18:25 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Community Reinvestment Act]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[Fifth Third]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1295</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsThe latest round of exam scores are out for the OCC&#8217;s Community Reinvestment Act examinations.  Surprise!  Everyone is a winner! The OCC handed out all A&#8217;s and B&#8217;s.  Wouldn&#8217;t you love to take that class?  Last month, they handed out all A&#8217;s and B&#8217;s, too! This time, five banks got outstanding, and thirty got satisfactory.  [...]]]></description>
		<wfw:commentRss>http://banktalk.org/2009/09/18/occ-sees-no-evil/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Live Blogging the CRA Hearing (III)</title>
		<link>http://banktalk.org/2009/09/16/live-blogging-the-cra-hearing-iii/</link>
		<comments>http://banktalk.org/2009/09/16/live-blogging-the-cra-hearing-iii/#comments</comments>
		<pubDate>Wed, 16 Sep 2009 15:47:19 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Community Reinvestment Act]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[Hensarling]]></category>
		<category><![CDATA[Rep. Mel Watt]]></category>
		<category><![CDATA[Taylor]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1278</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsRep. Hensarling is up to examine the testifiers next.  He is having fun with words: If banks are not required to make unsustainable loans, are they required to make sustainable loans? If the CRA is simple, then why is it, in the view of small banks, expensive?  (Earlier, he mentioned how banks spend between $20,000 [...]]]></description>
		<wfw:commentRss>http://banktalk.org/2009/09/16/live-blogging-the-cra-hearing-iii/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>CRA Modernization Act Hearings On Tap</title>
		<link>http://banktalk.org/2009/09/15/cra-modernization-act-hearings-on-tap/</link>
		<comments>http://banktalk.org/2009/09/15/cra-modernization-act-hearings-on-tap/#comments</comments>
		<pubDate>Tue, 15 Sep 2009 19:58:48 +0000</pubDate>
		<dc:creator>Adam Rust</dc:creator>
				<category><![CDATA[Community Reinvestment Act]]></category>
		<category><![CDATA[CRA]]></category>
		<category><![CDATA[credit unions]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[Lawrence White]]></category>
		<category><![CDATA[NCRC]]></category>

		<guid isPermaLink="false">http://banktalk.org/?p=1265</guid>
		<description><![CDATA[government,politics&#160;news,politics&#160;news,politicsThe Obama administration is finally getting around to reforming our financial system, right when the underlying anger about banking may be relenting. The experts who judge our economy believe that we may be about to exit this recession.  Ben Bernanke said as much today during a talk at the Brookings Institution.  He believes that unemployment [...]]]></description>
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		<slash:comments>0</slash:comments>
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