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FDIC指控Cross River从事不安全的贷款行为
(FDIC alleges Cross River engaged in unsafe lending practices)
Published: 2023-04-30
1. 文章的主要主题是联邦存款保险公司（FDIC）对金融科技银行Cross River Bank的指控。. 这些指控声称该银行从事“不安全和不健全的银行业务”，包括承销实践中的错误，未能妥善管理风险以及未能遵守与公平贷款实践有关的法律法规。. 这引发了人们对消费者保护和更广泛的金融体系的潜在影响的担忧。.
2. 文章指出了克罗斯河的多个“不安全贷款行为”实例. 一个例子涉及向在线发薪日贷方提供的贷款，据称该贷方收取高达785%的利率. 克罗斯河被指控没有正确评估与这些贷款相关的风险，并且未能充分核实贷方遵守州法律的情况. 另一个例子涉及Cross River向一家债务减免公司提供贷款，该公司向消费者收取高昂的服务费用。. 据称，Cross River未能识别该公司的欺诈活动，尽管有财务问题的迹象，但仍继续提供信贷.
3. 尽管FDIC提出了指控，但Cross River为其做法辩护，并表示仍致力于遵守所有适用的法规。. 该案引发了更大的问题，即金融科技贷款机构在银行业中的作用，以及它们是否受到适当监管以确保消费者保护和金融稳定。. 虽然不安全贷款行为的指控在行业中并不少见，但考虑到可能对消费者和整个经济产生广泛影响，风险很高。. .
1. The main topic of the article is the allegation made by the Federal Deposit Insurance Corporation (FDIC) towards Cross River Bank,a fintech lender. The allegations claim that the bank engaged in "unsafe and unsound banking practices," including errors in underwriting practices,failure to properly manage risks,and failure to comply with laws and regulations pertaining to fair lending practices. This has led to concerns about the potential impact on consumer protection and the broader financial system.
2. The article identifies multiple instances of "unsafe lending practices" by Cross River. One example involves loans made to an online payday lender that allegedly charged interest rates as high as 785%. Cross River was accused of not properly assessing the risk associated with these loans and failing to adequately verify the lender's compliance with state laws. Another example involves Cross River's loans to a debt relief company that charged consumers exorbitant fees for its services. Cross River allegedly failed to identify fraudulent activity by the company and continued to extend credit despite signs of financial trouble.
3. Despite the allegations made by the FDIC,Cross River has defended its practices and stated that it remains committed to complying with all applicable regulations. The case raises larger questions about the role of fintech lenders in the banking sector,and whether they are properly regulated to ensure consumer protection and financial stability. While allegations of unsafe lending practices are not uncommon in the industry,the stakes are high given the potential for widespread impact on consumers and the economy at large.
Reference: cointelegraph.com
交易量最大的硬币
（每1小时更新一次）
| 在 | 从 | 是 ($US) | 周转 ($) |
|---|---|---|---|
| 1 | BTC |
66,130.58 | 1,921,151,125.52 |
| 2 | ARS |
1,091.70 | 1,316,832,868.50 |
| 3 | ETH |
3,067.64 | 1,037,811,134.38 |
| 4 | SOL |
167.87 | 691,925,344.91 |
| 5 | PEPE |
<0.01 | 359,883,144.88 |
| 6 | LINK |
16.28 | 197,758,879.37 |
| 7 | XRP |
0.52 | 163,293,349.07 |
| 8 | RUNE |
6.93 | 154,359,987.99 |
| 9 | DOGE |
0.15 | 154,194,321.67 |
| 10 | WIF |
2.88 | 152,881,302.82 |
| 11 | BOME |
0.01 | 152,218,534.90 |
| 12 | NEAR |
8.10 | 144,846,620.17 |
| 13 | PEOPLE |
0.05 | 141,105,224.94 |
| 14 | FLOKI |
<0.01 | 113,407,606.67 |
| 15 | FTM |
0.80 | 111,234,494.50 |
| 16 | ENA |
0.72 | 92,364,466.74 |
| 17 | RNDR |
10.03 | 75,027,836.61 |
| 18 | AVAX |
36.68 | 73,785,433.24 |
| 19 | JTO |
4.53 | 68,549,567.64 |
| 20 | AR |
48.36 | 62,477,239.03 |
| 21 | WLD |
4.89 | 59,097,930.27 |
| 22 | SUI |
1.05 | 58,901,169.65 |
| 23 | ADA |
0.48 | 55,813,615.83 |
| 24 | BONK |
<0.01 | 49,915,811.22 |
| 25 | OP |
2.58 | 48,247,027.60 |
| 26 | ETHFI |
3.44 | 47,346,844.93 |
| 27 | ICP |
12.83 | 46,591,729.50 |
| 28 | AEVO |
0.81 | 38,399,009.99 |
价格快速上涨的硬币
（每1分钟更新一次）
| 在 | 从 | 是 ($US) | 更多的 (%) |
|---|---|---|---|
| 1 |  CREAM |
58.61 | +27.19 |
| 2 | LINK |
16.28 | +17.65 |
| 3 |  LDO |
1.79 | +14.82 |
| 4 |  BICO |
0.53 | +12.44 |
| 5 |  PENDLE |
4.77 | +11.09 |
| 6 |  SSV |
39.69 | +10.59 |
| 7 |  LOOM |
0.10 | +10.57 |
| 8 |  RSR |
<0.01 | +9.55 |
| 9 | AR |
48.36 | +9.11 |
| 10 |  DUSK |
0.33 | +8.94 |
| 11 |  OMNI |
15.41 | +8.45 |
| 12 |  TRU |
0.12 | +8.35 |
| 13 |  POLYX |
0.42 | +8.15 |
| 14 |  CHR |
0.36 | +7.86 |
| 15 |  PYR |
4.56 | +7.80 |
| 16 | OP |
2.58 | +7.28 |
| 17 |  LTO |
0.19 | +6.94 |
| 18 |  OM |
0.76 | +6.53 |
| 19 |  RAY |
1.81 | +6.39 |
| 20 |  ENJ |
0.32 | +6.37 |
| 21 | ADA |
0.48 | +6.30 |
| 22 |  API3 |
2.55 | +6.30 |
| 23 | AVAX |
36.68 | +5.86 |
| 24 |  YGG |
0.85 | +5.51 |
| 25 | ![Quickswap [OLD] title=](https://titdoi.com/coins-images-mini/QUICK-quick.webp){kind=small} QUICK |
0.06 | +5.47 |
| 26 | RUNE |
6.93 | +5.46 |
| 27 |  METIS |
60.83 | +5.08 |
| 28 |  NEXO |
1.33 | +5.07 |
| 29 |  SNX |
2.69 | +5.04 |
| 30 |  JOE |
0.50 | +4.92 |
硬币的价格正在迅速下跌。
（每1分钟更新一次）
| 在 | 从 | 是 ($US) | 减少 (%) |
|---|---|---|---|
| 1 |  RPL |
19.47 | -4.93 |
| 2 |  RLC |
3.24 | -3.37 |
| 3 |  TAO |
381.30 | -3.22 |
| 4 | JTO |
4.53 | -2.68 |
| 5 |  HIGH |
4.73 | -2.40 |
| 6 | BONK |
<0.01 | -1.78 |
| 7 | AEVO |
0.81 | -1.70 |
| 8 |  MANTA |
1.58 | -1.56 |
| 9 |  BAKE |
0.28 | -1.39 |
| 10 |  GMX |
30.20 | -1.31 |
| 11 |  STX |
2.04 | -1.16 |
| 12 |  BLZ |
0.36 | -1.02 |
| 13 | NEAR |
8.10 | -1.00 |
| 14 | RNDR |
10.03 | -0.87 |
| 15 |  VANRY |
0.19 | -0.83 |
| 16 |  TROY |
<0.01 | -0.81 |
| 17 |  BIFI |
339.80 | -0.79 |
| 18 |  ARK |
0.83 | -0.73 |
| 19 |  ATA |
0.17 | -0.72 |
| 20 | DOGE |
0.15 | -0.70 |
| 21 | PEPE |
<0.01 | -0.59 |
| 22 |  PIXEL |
0.36 | -0.59 |
| 23 |  FIO |
0.03 | -0.58 |
| 24 |  DEXE |
12.96 | -0.54 |
| 25 |  OOKI |
<0.01 | -0.53 |
| 26 |  EDU |
0.52 | -0.49 |
| 27 |  EGLD |
40.34 | -0.49 |
| 28 | SUI |
1.05 | -0.49 |
| 29 |  ERN |
4.52 | -0.46 |
| 30 | FTM |
0.80 | -0.46 |
Bitcoin's Greed and Fear Index.
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美国新闻 对市场有重大影响的
| 在 | 消息 | 天 | 日期 | 时间 |
|---|---|---|---|---|
| 1 | 月度经济状况领先指数报告 (CB Leading Index m/m) | 星期五 (Fri) | 17-05-2024 | 22:00 |
| 2 | 美联储成员 (Christopher J. Waller) 声明 (FOMC Member Waller Speaks) | 星期五 (Fri) | 17-05-2024 | 22:15 |
| 3 | FOMC Member Daly Speaks (FOMC Member Daly Speaks) | 周六 (Sat) | 18-05-2024 | 00:15 |
| 4 | FOMC Member Kugler Speaks (FOMC Member Kugler Speaks) | 星期 (Sun) | 19-05-2024 | 05:45 |
