Raddon Report

Raddon Report

Thursday, February 8, 2018
Bill Handel

Early in 2017 we compiled our predictions for the upcoming year.  These were a mix of economic and industry predictions.  How accurate were these predictions? 
As it turns out, we were mostly on the mark in our predictions, at least in terms of direction if not always in magnitude.  Here is a review of our 2017 predictions and an assessment of the accuracy of each.

Thursday, February 1, 2018
Andrew Vahrenkamp
Declining overdraft income makes lower income households challenging to serve profitably. Andrew Vahrenkamp, Senior Research Analyst at Raddon, gives some ideas on how to serve these consumers effectively and efficiently.
Monday, January 22, 2018
Jan Trifts

Last week we published an article warning about pending changes in home equity lending due to the recently passed tax legislation.  In this article we wrote:

Thursday, January 18, 2018
Jan Trifts

Recent changes to the US tax code will affect homeowners with mortgage and home equity products in a number of ways. In this Raddon Report, we look at what has changed, who will be affected, the impact of the change on homeowners, and what institutions can do to market their mortgage and equity products in this new environment.

Tuesday, June 30, 2015
Patrick Bator (Retired)

Even if they never use it, consumers still value protection on their checking accounts to avoid overdraft and non-sufficient funds (NSF) events – perhaps to the consternation of some regulatory bodies and consumer advocate groups.

Tuesday, June 17, 2014
Patrick Bator (Retired)

At the height of our country’s financial crisis, the Federal Reserve’s Federal Open Market Committee (FOMC) adopted the policy of “quantitative easing” where it (a quasi-political arm of our federal government) goes into the marketplace to buy long-dated securities and mortgage-backed bonds to directly lower their interest rates. To be sure, this policy which adheres to macroeconomic theory helped end our country’s economic collapse in 2009 and may have helped keep our economy muddling along in the ensuing years.

Friday, November 1, 2013
Bill Handel

Three seminal but seemingly unrelated events are suggestive of the pressures the financial services industry is likely to face in 2014. These pressures are changing the fundamental business models of financial institutions. First is the decision by US District Judge Richard Leon to send back to the Fed for revision its cap on debit card interchange.