Robert C. Giltner



Feb 19, 2016

Nearly every industry pundit these days is raising the threat to banks posed by “marketplace lenders” and the adoption of digital online lending technology. Many say banks need to “build, buy or partner” with such lenders […]


Feb 10, 2015

The Consumer Financial Protection Bureau’s (CFPB’s) new rules for overdrafts (ODs) on checking accounts are scheduled for July of this year. Based on our analysis of the overdraft rules for prepaid issued December 23, 2014, we […]


Oct 7, 2014

“Overdraft fees should not be ‘gotchas’ when people use their debit cards,” said Richard Cordray, director of the Consumer Financial Protection Bureau (CFPB), after the regulatory agency published its most recent report, “Data Point: Checking Account […]


Aug 14, 2013

Revenues are growing significantly for consumer transaction account services, just not at financial institutions. Our research of FDIC data shows service charges on deposits fell nearly 20% between 2008 and 2012. PayPal, on the other hand, […]


May 7, 2013

Financial institutions (FIs) determined a long time ago that it was hard to earn a profit making consumer loans for a few hundred dollars. As Mark Pearce of the FDIC commented in 2012 on reviewing the […]


Apr 9, 2013

In 2012, our research shows bank overdraft (OD) revenues down about 20% from their 2008 levels, although they still constitute well over half of the industry’s total checking account revenues. Is it time to rethink this […]