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McBrayer Blogs

Showing 3 posts from 2018.

Partial Dodd-Frank Rollback Should Help Kentucky Community Banks

As many of us in the banking industry know, Dodd-Frank, which was passed in 2010 as a response to the global financial crisis, may have ultimately served as more of a machete in quick response to a situation that needed a scalpel. Our community banks especially were caught in the crossfire of the new patchwork of regulation. These regulations effectively hobbled the ability of these banks to lend due to the cost-prohibitive expense of compliance for mortgage lending. This took a toll on our banks, many of whom served rural areas in Kentucky and were best situated to make these loans to our local communities. More >

Downtown Property Owners and Businesses: You May Be Eligible for This Grant

Posted In Corporate

There’s great news in the air for downtown property owners. The Downtown Lexington Partnership and the Downtown Lexington Management District have created a matching grant program that provides assistance to small businesses and those with property in the downtown district to improve those properties. More >

Student Loans and the Rising Acceptance of Bankruptcy Non-Dischargeability: Lenders Beware?

Since 2005, student loans have been nondischargeable in bankruptcy proceedings unless a debtor can prove that repayment would subject him/her to “undue hardship.”  Historically, this standard has been incredibly hard to meet, causing debtors to emerge from bankruptcies still covered in student loan debt.  Now, due to the ever-expanding student loan bubble, bankruptcy courts around the country are starting to take a second look at student loan debt and what can be done to change the way bankruptcy judges approach the problems student loan debts create.  This added scrutiny by the courts should make lenders who offer private student loans or consolidation loans wary. More >

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