Banking Blog

Tuesday, June 29, 2010 9:33 am
By Marcie Geffner · Bankrate.com

It’s official — almost. Both the U.S. House and Senate have passed different versions of a sweeping financial reform bill that contains a hodge-podge of new regulations on everything from consumer protection and stated-income mortgages to derivatives and ratings agencies. Having followed the back and forth debate with interest, I can tell you that the

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Monday, June 28, 2010 5:06 pm
By Marcie Geffner · Bankrate.com

Decades ago, banks and savings-and-loan institutions gave away so many free toasters to new customers that these giveaways became an expected perk of a new bank account. Indeed, the free toaster was so closely associated with new bank accounts that it was downright proverbial. But now, those free toasters — and the digital clock radios

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Monday, June 28, 2010 4:57 pm
By Marcie Geffner · Bankrate.com

The Federal Deposit Insurance Corp., or FDIC, has announced two “templates” for basic checking or debt-card and savings accounts that would be appropriate and affordable for low- and moderate-income people, a category that could be defined to include a large swath of the consumer population. The templates, designated as Figure 1 and Figure 2 in

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Monday, June 28, 2010 4:54 pm
By Marcie Geffner · Bankrate.com

Online and mobile banking may cut into the foot traffic of a typical neighborhood bank branch. But branches are still important to customers who haven’t adopted those new technologies or who need to maintain a safe-deposit box, purchase a money order, apply for a loan or deposit checks, currency or coins, among other services. Our

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