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Solutions for Generating Income Despite Regulatory Headwinds: Part 3 of 3

Recent regulatory changes, combined with ongoing economic factors, are taking a toll on financial institutions’ income statements. Noninterest income has decreased due to the impact of Regulation E on overdraft income, and a further reduction of noninterest income is expected due to the looming effect of the Durbin Amendment on interchange income. In fact, according to an October 2010 webinar report from the Independent Community Bankers of America, more than 80 percent of financial institutions expect Regulation E to impact their overdraft revenue by 5 to 20 percent.