PROTECTING SMALL BUSINESS, PROMOTING ENTREPRENEURSHIP

Capital and Credit Watch

August 26th, 2016 by

  by Raymond J. Keating- Remember all of the talk about bipartisan agreement that U.S. corporate taxes are non-competitive? Well, you wouldn’t know any of that was going on judging by the effort at the U.S. Treasury Department to impose more tax-related regulations in the hopes of increasing revenues from businesses. What are we talking […]

August 2nd, 2016 by

by Raymond J. Keating- The Federal Deposit Insurance Corporation (FDIC) serves up quarterly lending data, including bank loans for small businesses. The latest numbers are for the first quarter of this year, and point to some continued growth, while still coming in well below the pre-recession highs. Consider the following key points: • Small business […]

July 28th, 2016 by

by Raymond J. Keating- The Democratic Party’s platform offers the following sound declaration on small businesses and access to credit: “We will open up access to credit because we know that small businesses are some of the best job creators in our country.” And at another point, it is said, “We must make Wall Street […]

June 23rd, 2016 by

by Raymond J. Keating- During and in the immediate aftermath of the financial meltdown that hit in 2008, the contradictory political and policy message was to both blame and bailout large banks. The contradictions continued with the Dodd-Frank financial regulation measure, signed into law by President Barack Obama in July 2010. The legislation was billed […]

June 17th, 2016 by

by Raymond J. Keating- The U.S. Bureau of Labor Statistics released the latest data on Consumer Price Index inflation on June 16. Basically, inflation registered 0.2 percent in May, and came in at a mere 1.0 percent over the past year. Since the recession, inflation, but for a year-long stretch from October 2010 to September […]

June 9th, 2016 by

by Raymond J. Keating- Quick question: Who is the largest holder of consumer credit in the U.S.? Well, in effect, you are. That is, federal taxpayers are. As noted in the latest consumer credit outstanding report from the Federal Reserve, the federal government is the largest holder of consumer credit outstanding (excluding real estate loans, […]

June 2nd, 2016 by

by Raymond J. Keating- The latest edition of the Beige Book collected data and anecdotes on the state of the economy before May 23 in the Federal Reserve’s 12 districts. The report aids monetary officials in formulating policy at their upcoming meetings on June 14-15 and on July 26-27. Once again, it’s hardly an inspiring […]

May 18th, 2016 by

by Raymond J. Keating- The latest Senior Loan Officer Survey from the Federal Reserve raises more questions about the state of business development. Tighter Standards At the outset, it was noted that regarding commercial and industrial loans, there was some tightening of standards coupled with a decline in demand for such loans. Meanwhile, commercial real […]

May 14th, 2016 by

by Raymond J. Keating- Non-investment crowdfunding – that is, reward or gift-based crowdfunding – developed via the Internet to become a major source of funds for creative and small business endeavors. The dramatic growth and success of non-financial crowdfunding pointed the way for equity crowdfunding, made possible thanks to the JOBS Act, which passed Congress […]

May 2nd, 2016 by

by Raymond J. Keating- National Small Business Week shouldn’t just be about the celebration of small businesses, but also about recognizing the challenges that entrepreneurs face and what can be done to remove unnecessary obstacles. Perhaps the biggest challenge for entrepreneurs seeking to start up and grow small businesses is access to financial capital. Unfortunately, […]

News and Media Releases