Banking & Lending, chapter 12 of 12
Banking & Lending Glossary
Every banking and lending term by part: the business, the core, deposits, financial crime, fintech, lending, underwriting, servicing, funding and spend.
Banking borrows its words from accounting, law and a century of bank operations, and the same word shifts with context: a hold is a card authorization on one screen and a garnishment freeze on another, a balance is ledger, available or collected depending on who asks, a program is a fintech's product to a sponsor bank and a card network's portfolio to an issuer, and "margin" means one thing in a bank's NIM and another in a credit union's report to NCUA. Entries are grouped by the part of the volume that explains them, alphabetized within each group, and each is one line and a link to the chapter that owns the idea; a word with two meanings appears once per meaning, qualified. Terms the Payments glossary already defines keep its definition. The volume's own names for the core records (institution, program, party, party identity, product, account, account party, GL account, journal entry, transaction, hold, balance snapshot, interest accrual, fee assessment, statement, disclosure, application, credit decision, loan, payment schedule, loan payment, payment allocation, collateral, case) are the ones in The Core Data Model.
Parts#
- The Business: 43 terms
- The Core: 26 terms
- Deposits: 22 terms
- Financial Crime: 1 term
- Fintech and BaaS: 2 terms
- Lending Products: 1 term
- Business Lending: 1 term
- Origination and Underwriting: 1 term
- Servicing and Collections: 2 terms
- Funding and Licensing: 1 term
- Business Banking: 1 term
- Spend Management: 1 term
- Running the Platform: 1 term
References#
Reference
- FDIC: Quarterly Banking Profile, second quarter 2026, community banks and the industry net interest margin
- NCUA: Quarterly Credit Union Data Summary, 2026 Q2, federally insured credit unions
- FDIC: Understanding Deposit Insurance, the standard insurance amount and ownership categories
- 12 CFR 235 (Regulation II), the debit interchange standard
- 31 CFR 1020.220, the CIP minimum information
- Stripe: How Stripe Capital works, a merchant cash advance as a purchase of future receivables, not a loan