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Blog Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – June 23, 2017

In an interview with CNBC, Goldman Sachs CEO Lloyd Blankfein announced that Marcus, the online consumer lending business they launched last year, has already lent $1 billion and is on track to lend $2 billion by the end of 2017....

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – June 16, 2017

As widely expected, the Fed announced that they would raise the federal funds rate target by a quarter-point to 1% – 1.25% (currently the rate is 0.91%). The Fed expects that inflation will remain below 2% in the near term....

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – June 09, 2017

This week, it was reported that Joseph Otting, former CEO of OneWest Bank, will be nominated to head the Office of the Comptroller of the Currency (OCC), and the OCC issued a FAQ to supplement OCC Bulletin 2013-29, “Third-Party Relationships:...

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – June 02, 2017

The Polsky Center and the University of Chicago Booth School of Business, with the Cambridge Centre for Alternative Finance at Cambridge Judge Business School, released their 2nd Americas Alternative Finance Industry Report. Orchard was a research partner for the report...

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – May 26, 2017

Following reports last week that student lender, Earnest, was having trouble finding funding and was looking for a buyer, they announced this week that DBRS, Inc. finalized its provisional ratings on the EARN 2017-A securitization which closed on May 18,...

Engineering_Differently

Engineering Differently: The Attraction of Startups

Why traditional financial service firms are having difficulty competing with technology startups for talent Figuring out how best to approach fintech has many traditional financial institutions scratching their heads. According to a report earlier this year, almost 60 percent of them are...

quantifying_impact

Investors Return. Third Consecutive Quarter of Origination Growth

In Q1, we saw another increase in origination volumes for U.S. Consumer Unsecured Online Lenders. It increased approximately 4.6% from the previous quarter and marked the third consecutive quarter of growth. Originations Source: Orchard Interestingly, I took a closer look...

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – May 19, 2017

It was reported this week that the New York Department of Financial Services has joined the growing list of state regulators wishing to put a stop to the Office of the Comptroller of the Currency’s (OCC) proposed national fintech charter...

Online Lending Weekly_snapshot

Weekly Online Lending Snapshot – May 12, 2017

It was reported this week that Zopa, the very first peer-to-peer lender, received full authorization from the the Financial Conduct Authority (FCA) in the U.K. This will allow them to offer Innovative Finance Individual Savings Accounts (IFISAs), retirement accounts that...

Future Banking

Review: “When Markets Quake” Online Banks and Their Past, Present and Future,” by Marshall Lux and Martin Chorzempa

—Please note that this isn’t meant to be a comprehensive review and I would love to hear from you if you have thoughts on their paper or my take on it. We’ve added their paper to the suggested reading list...