CFPB Enters the Ring with BNPL: Time to Start Reporting
As a sign that Buy Now Pay Later (BNPL) has matured to become a mainstream lending product, top companies received...
CFPB Regulatory Fall Release: No Major Credit Card Issues
The Consumer Financial Protection Bureau published their supervisory highlights for 3Q2021. The credit card industry withstood the regulatory gamut well. The...
Fair Lending: In Credit Cards and Banking
One early learning I had in banking goes back nearly four decades, to the days of COBOL. In setting up...
Kabbage & American Express: Going beyond Small Business Credit Cards
Plenty of credit card issuers offer small business cards. Many businesses use them, but some prefer to use their consumer...
NFL Goes with Alliance Data for a Co-brand Credit Card
Alliance Data (AD) announced their new co-brand credit card with the National Football league. It is a big deal for the...
Inflation, COVID, and Credit Cards
You’ve heard all the good news about credit cards as 2021 closes out. Revolving debt volumes are up, credit losses...
Credit Cards: No Grinch This Year as Consumers Flock to Credit Cards
The lull is over for credit cards, and for pundits who thought that revolving credit was over and displaced by...
BNPL Winter 2021: The Beginning of the End?
So, I admit that I did another 6 BNPL loans in preparation for the winter holidays. With 14 paid loans...
Extra, Extra, Credit Card Charge-Offs Hit a Historic Low!
We all have plenty to be thankful for, but for credit card managers this is one for the books. This...
Turkeys, Inflation, and the Ability to Repay Credit Cards
Inflation creates risk in the credit card business. The typical U.S. household, with a median income of $68,521, must juggle...
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