Case Studies

CFPB to Consider Overdraft Fee Limits, an Underappreciated Risk for Banks The CFPB will likely pursue overdraft rulemaking, an underappreciated risk to 30% of net income for TD, TCF, and Regions banks. January 28, 2021 – Capstone believes the Consumer Financial Protection Bureau (CFPB) is likely to undertake rulemaking to increase restrictions on overdraft charges for automatic teller machine (ATM) and one-time or point-of-sale (POS) debit […]Learn More
State AGs Target Credit Acceptance’s Deep Subprime Model The attorneys general are likely to push for “ability to repay” analyses, which would be a material negative for Credit Acceptance. September 17, 2020 – Capstone believes state attorneys general (AGs), as part of their ongoing investigations into Credit Acceptance Corp.’s (CACC) business practices, will attempt to force the company to conduct an “ability to […]Learn More