For most small business loans, the primary source of repayment is the cash flow of the business. A bank’s cash flow analysis should cover current and expected cash flows, and reflect …

A merchant bank, or acquiring bank, is an entity that has entered into an agreement with a merchant to accept deposits generated by credit card transactions. Processing merchant sales …

This fact sheet provides an overview of the Equal Credit Opportunity Act (ECOA) – as outlined by Regulation B – which applies to any extension of credit and prohibits discrimination in any …

Overview Lending is the principal business activity for most commercial banks. The loan portfolio is typically the largest asset and the predominate source of revenue. As such, it is one of the …

What is the State Small Business Credit Initiative? The SSBCI is a federal program, administered by the U.S. Department of the Treasury. The SSBCI provides funding to states1 to support …

The Equal Credit Opportunity Act (ECOA) applies to any extension of credit and prohibits discrimination in any aspect of a credit transaction (including oral and written loan applications).

Introduction The Office of the Comptroller of the Currency’s (OCC) Comptroller’s Handbook booklet, “Asset-Based Lending,” provides guidance for bank examiners and bankers on asset …

The Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of consumer information in the files of credit reporting agencies.

Dec 18, 2025 · Banks issue commercial credit to companies, which then access funds as needed to help meet their financial obligations. Companies use commercial credit to fund daily …

This law applies to most types of consumer loans such as mortgages, home equity loans, home equity lines of credit, car loans, and credit cards. By mandating transparency, TILA lets …