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Banking, editors' picks

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Banking, editors' picks

Editors' picks for the week include an outlookon U.S. bank earnings and a look at consumer complaints filed with the CFPBabout unsolicited credit card issuance.

As ratesonly move modestly higher and margins remain under pressure, earnings growthwill be muted. Credit quality, while strong at the moment, should start todeteriorate in 2017.

Some banksare looking to reduce their commercial real estate exposures through loanparticipations, while others say the possibility of growing concentrationsthrough acquisitions could curb some deals.

TheConsumer Financial Protection Bureau's complaint database includes an optionfor unsolicited credit card issuance, offering insight into potential risks atother financial institutions.

Acquisitivecredit unions hungry for scale are increasingly considering community banks astargets, as these small lenders look to sell amid prolonged struggles withheavy regulation, low interest rates and fierce competition from larger players.

Sullivan& Cromwell LLP Senior Chairman H. Rodgin Cohen said regulators' intensefocus on compliance is limiting how many institutions can participate in dealsand lengthening the time to close transactions.