Capital and Credit Watch

May 9th, 2017 by

by Raymond J. Keating- The Federal Reserve released its latest Senior Loan Officer Opinion Survey on Bank Lending Practices on May 8, which looks at “changes in the standards and terms on, and demand for, bank loans to businesses and households over the past three months.” A few key points regarding small business: Easing Terms […]

April 12th, 2017 by

  Second in a Two-Part Series by Raymond J. Keating- The emphasis on the regulatory front has switched dramatically in a short period of time. During the Obama administration, the default was to increase regulation – in fact, it was eight years of hyper-regulation. Part of that hyper-regulation was passage of the Dodd-Frank financial regulatory […]

April 12th, 2017 by

by Raymond J. Keating- According to the Federal Reserve’s consumer credit report for February, released on April 7, consumer credit (which excludes real estate loans) experienced solid growth. Revolving credit (mainly, credit card debt), after a decline of 3.2 percent in January, grew by 3.5 percent (seasonally adjusted annual rate) in February. It’s also worth […]

March 31st, 2017 by

(and why we need to clean up the mess) First in a Two-Part Series by Raymond J. Keating- It’s not unusual for politicians to react to a real or perceived crisis by haphazardly doing “something.” We saw this during the debate over ObamaCare. That is, our health care system was declared a mess (despite it […]

March 23rd, 2017 by

by Raymond J. Keating- On March 22, I had the opportunity to testify before the Subcommittee on Capital Markets, Securities, and Investment of the Committee on Financial Services in the U.S. House of Representatives. The subject of the hearing was “The JOBS Act at Five: Examining Its Impact and Ensuring the Competitiveness of the U.S. […]

March 15th, 2017 by

BY ELECTRONIC FILING Ms. Marlene H. Dortch Secretary Federal Communications Commission 445 12th St, S.W. Washington, D.C. 20554 Re: WC Docket No. 16-106: Protecting the Privacy of Consumers of Broadband and Other Telecommunications Services   Dear Ms. Dortch, On behalf of the Small Business & Entrepreneurship Council (SBE Council), I am writing in support of […]

February 3rd, 2017 by

by Raymond J. Keating- Based on the Federal Open Market Committee’s statement released on February 1, 2017, it looks like the Fed is just doing more of the same on the monetary policy front. But is some kind of shift under way that’s might be going unnoticed? After raising the federal funds rate from the […]

December 9th, 2016 by

  by Raymond J. Keating- Baseball fans – and New York Yankees fans in particular – understand who the “Core Four” were. Derek Jeter, Jorge Posada, Mariano Rivera and Andy Pettitte were drafted or signed as amateurs by the Yankees, and are considered the core four that helped lead the Bronx Bombers to win four […]

November 18th, 2016 by

by Raymond J. Keating- Are inflation concerns seeping back into our economic psyche? On November 17, the Bureau of Labor Statistics provided a look at October CPI inflation. The Consumer Price Index rose by 0.4 percent in October. And over the past three months, we’ve seen a climb in CPI inflation, from being flat in […]

November 3rd, 2016 by

by Raymond J. Keating- Small banks are vital to small businesses. But small banks have been hit hard in recent years. If the candidates for the White House and Congress are serious about small business and access to capital, then they need to take a close look at what’s happened to our small community banks. […]

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