In a constantly changing environment, financial institutions are continuing to pursue ways to increase efficiencies, better productivity and increase profitability. As interest rates fall, cybersecurity threats heighten, and technologies continue to develop and modernize, banks must adapt, innovating their systems and processes to not only mitigate risks but also to enhance customer experiences and maintain competitiveness in a digital era.

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Commercial brokers need to be aware of the risk-management analysis federal regulators recommend so they can advise their clients on the best strategies for working with lenders. The risk-management regulations may also help brokers decide which lenders would be best to approach when seeking a loan.

Banking regulators have finally released the long-awaited final rule reforming Community Reinvestment Act (CRA) regulations—a regulation that often receives mixed sentiments from bankers. Fortunately (or unfortunately), regulatory changes typically unfold incrementally. The new rules, therefore, build upon existing ones rather than taking a wholly new direction.