Understanding the 2025 Home Mortgage Disclosure Act data
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — sponsored by — ABA economist Dan Brown discusses the recent release of Home Mortgage Disclosure Act (HMDA) data for 2025. He examines several trends, including the varying composition of bank mortgage loans in different regions, where banks face the stiffest nonbank competition in the mortgage market, a recent rebound in refinancings and a growing generation gap in homebuying activity.
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Financing America's independence
ABA Banking Journal Podcast
To mark the 250th anniversary of Independence Day this week, this classic replay episode of the ABA Banking Journal — sponsored by — explores the role of banking and finance in the American Revolution and the founding era. John Steele Gordon is an acclaimed economic historian whose books include Hamilton’s Blessing, The Great Game and An Empire of Wealth; he is also the ABA Banking Journal’s “” columnist. In this episode, Gordon discusses: How not having any chartered banks prior to 1782 put the United States at a disadvantage during the Revolution. Conversely, how the...
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Talent and innovation in community banking
ABA Banking Journal Podcast
Adam Metz, the newly appointed president and CEO of Central Pennsylvania-based Orrstown Bank, joins the ABA Banking Journal Podcast to discuss the bank’s strategy and growth, its dedicated innovation group, how the bank is using AI and the bank’s client-focused talent strategy.
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Understanding bank regulators’ guidance on illegal immigration
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast, ABA’s Heather Trew breaks down recent news about the president’s on illegal immigration and the financial system and the from the Financial Crimes Enforcement Network, the OCC, the FDIC and others on red flags associated with illegal immigration. Trew covers: An overview of the executive order and advisory Financial typologies of suspicious activity linked to illegal immigration that FinCEN has identified — for individual consumers, small businesses and large businesses Scrutiny on the use of individual taxpayer identification...
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Creating a feeling of welcome . . . for customers and new bankers
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — presented by — Texas banker Ryan Coaxum joins the show to discuss how he was welcomed into the banking community as an employee, and how he tries to bring that same feeling of welcome to the people he serves in his job as head of community development and external affairs at Moody Bank. “You want to feel wanted, you want to feel like what you are doing, no matter what scale you’re on, that it is important to them. And that’s what I’m trying to get out, specifically in communities that are underserved or underbanked,”...
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How consumer deposits drive full relationship banking
ABA Banking Journal Podcast
In an environment with higher-yielding options, how can banks compete for effectively for deposits? On the latest episode of the ABA Banking Journal Podcast — presented by — Marc Womack, who leads the U.S. consumer deposits franchise at TD Bank, discusses his approach to maximizing data, customizing deposit offerings, developing valuable product bundles and using both physical and digital touchpoints to meet consumer needs. “There is a lot of money in movement and people are looking to optimize yield, but they’re balancing that with their overall financial goals and are not just...
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How an Ohio banker talks with policymakers about stablecoin issues
ABA Banking Journal Podcast
As a community bank president and past chair of the Ohio Bankers League, Jenny Saunders has been part of many conversations with top policymakers on bank issues. On the latest episode of the ABA Banking Journal Podcast — presented by — Saunders, who recently retired as president of FCBank, discusses how she discussed stablecoin and cryptocurrency issues with members of Congress. “If there’s something that you don’t necessarily agree with, then what’s the solution?” Saunders encourages bankers to think through how to describe alternatives, as well as unintentional consequences of...
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Tech transformation and AI to power bank growth
ABA Banking Journal Podcast
Over the past two decades, Pennsylvania-based F.N.B. Corporation has grown its assets from roughly $5.4 billion to $50 billion, grown its net operating income by a similar ratio and more than doubled its retail footprint. On the latest episode of the ABA Banking Journal Podcast — presented by — Chairman, President and CEO Vincent Delie discusses his approach to growing the franchise and how F.N.B. is investing in its employees’ capabilities. Among other topics, Delie discusses: F.N.B.’s balance of organic growth and M&A and the role of culture in this growth. The bank’s...
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ABA’s ecosystem strategy to tackle fraud
ABA Banking Journal Podcast
On the latest episode of the ABA Banking Journal Podcast — a crossover episode with the — ABA’s Rob Nichols and Paul Benda provide several updates on ABA’s work to reduce the incidence and cost of fraud for bank customers. Among other topics, they highlight: Their recent participation in the United Nations and Interpol . “One of the key messages that I heard loud and clear is the need for there to be a whole ecosystem approach,” said Nichols. “It can’t just be banks protecting their customers and their clients. . . . We have to get these other industrial sectors to really...
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Capitalizing on opportunities to serve high-net-worth clients
ABA Banking Journal Podcast
Several factors — the growth of the U.S. economy and asset prices, generational transitions and changing values — are reshaping the wealth management and financial advice sectors. More individuals and families are falling into the high-net-worth (investable assets of over $3 million) and ultra-high-net-worth (assets of over $30 million) than ever before. How are banks positioned to capitalize on this evolving marketplace? On the latest episode of the ABA Banking Journal Podcast, ABA’s Mark Benskin — a veteran of the wealth management sector with experience at several banks —...
info_outlineOn this episode of the ABA Banking Journal Podcast, ABA economist Jeff Huther discusses recent dynamics with the Secured Overnight Financing Rate, the “world’s most important number.” Huther delves into topics in his his new ABA DataBank essay, exploring how quantitative tightening has pushed SOFR toward the upper end of the Federal Open Market Committee’s rate target range, the effects of monetary policy mechanisms like the Overnight Reverse Repo Facility, and how banks and other SOFR users can manage volatility that may emerge in the rate.