Ben Eisen

speaker

1,467 appearances 35 recordings 1 series first heard Jul 2017 last heard Nov 2024

Ben Eisen’s voice in public audio — every appearance, attributed to the second.

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There's one going on now involving this specific topic.

And then there are state regulators as well.

And they have brought cases against lenders and dealers for these issues.

That said, the CFPB, because it does not oversee dealerships, it is one of its blind spots in a way.

And the regulation is sort of a bit more disjointed because of that.

Thank you.

WSJ Your Money Briefing · Credit Unions Are All Grown Up · 3 Dec 2019 podcast

So you've seen a bunch of different things really propelling this.

Credit unions growth has been going on for a long time, but it really took off after the financial crisis.

And there are a number of things at play.

People became disenchanted with banks and decided to switch to credit unions.

Regulators also didn't crack down on credit unions as much as they did on banks in many respects.

And what you saw is that credit unions really started to compete aggressively.

They're able to offer lower rates sort of by nature of the way that they operate.

And they use that to move into all sorts of different types of loans and really kind of gain a good market share there.

And so unlike a bank, a credit union doesn't answer to shareholders.

It answers to its members, which all collectively own the credit union.

And what it does with its profits is it returns them in the form of lower rates on borrowing or higher interest on deposits.

And so that's why you can see a credit union offering a lot lower rates than a bank on certain types of loans.

And when you look at something like a personal loan or a HELOC, credit unions often compete very well in that area.

They don't always offer lower rates.

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