US Banks Stress Test
IF a severe recession hits, how would the US banks fare? Based on the stress testing of the 23 large US banks, they have enough capital...
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Frank Tian
Jun 28, 20231 min read
Auto Loan Update
🚗 How is the auto loan doing in 2023 so far? Everything is up. 🟦 Auto Price Up The new car price index continues to climb in May, ...
Frank Tian
Jun 25, 20231 min read
Effects of Fed's 10 Rate Hikes
The Fed has handed out 10 rate hikes, with a possible 11th next month. What are the effects of the fastest rate hikes, so far? [US Macro...
Frank Tian
Jun 22, 20231 min read
🤖 Chatbots Save FI billions - not without risks.
Chatbots have become popular in the financial industry - in 2022, almost 100 million people in the US or 37% of the population engaged...
Frank Tian
Jun 19, 20231 min read
Canada 40M Family Contribution
On last Friday June 16th, 2023, the Canadian population reached 40 million. Contributing to this milestone was the birth of my...
Frank Tian
Jun 16, 20231 min read
Payment Companies in Regulators’ Scope
🇺🇸 US CFPB recently reminded consumers that funds parked in payment apps are not subject to deposit insurance. The growth of non-bank...
Frank Tian
Jun 13, 20232 min read
Updated Guideline for BaaS
On June 6th, The Fed, OCC, and FDIC jointly released an updated guideline for banks’ third party risk management. This has been highly...
Frank Tian
Jun 10, 20231 min read
Canada Macro Update
Consumers hang in there while interest rate continues to pinch.
Frank Tian
Jun 7, 20231 min read
Old Bank/Card Model Still On Fire
The Economist recently published a piece to highlight the resilience of credit cards in developed economies. In the US, the credit card...
Frank Tian
Jun 4, 20231 min read
Even High School Kids Can Read the Fed
📢 From public health to the economy, public officials are easy targets to blame. In the case of central bankers, one reason seems to be...
Frank Tian
Jun 1, 20232 min read
All Roads Lead to the Bank?
While some banks are collapsing, other aspiring institutions are eager to become banks. Why? When the 2008 Great Financial Crisis hit,...
Frank Tian
May 29, 20231 min read
💸 Overdraft/NSF Fee Down in the US
CFPB reported the bank overdraft/NSF revenue down 48% in Q4 ‘22 vs. pre-pandemic in Q4 ‘19. That is about $5.5B in savings on an annual...
Frank Tian
May 27, 20231 min read
Canada Growing Household Debt
🇨🇦 CMHC recently highlighted the growing household debt vs. GDP in Canada. 75% of the debt are mortgages. Different from the 30-year...
Frank Tian
May 25, 20231 min read
Omaha Trip Report
A Quick Trip in Omaha. It has been 6 years since the last time I visited Omaha. The midwestern city has grown with new developments....
Frank Tian
May 23, 20231 min read
Canadian Banks Q2 Reserve Update
🇨🇦 Banks Q2 Reports Another quarter with a modest reserve increase. In Q2 (ending Apr), the collective reserves of the big 5 Canadian...
Frank Tian
May 21, 20231 min read
Australia BNPL Update
🇦🇺 Australia chose option 2 for BNPL regulation. As I was finalizing the presentation slides of BNPL, the news came in from the Down...
Frank Tian
May 19, 20231 min read
Iowa Video
Back to Des Moines, Iowa today. It is the same quiet and calm place. Had dinner with fellow speakers and organizers for tomorrow's SAS...
Frank Tian
May 17, 20231 min read
Chat with Frank Pilot
“Can I pick your brain on something?“ I would love to help but often no time. Why not leverage Generative AI to make the knowledge...
Frank Tian
May 15, 20231 min read
US Q1 Consumer Credit Update
With the banking crisis in March, How is US consumer credit doing? Here is the Q1 ‘23 Fed report: 👇 Quarterly debt growth slowed to...
Frank Tian
May 13, 20232 min read
Buffet/Munger on Banking
If Forbes were to create a list of "90 Above 90", Buffett and Munger would be on it unanimously. On May 7, the 92 and 99 years young duo...
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