Abrigo

SEPTEMBER 5, 2023

Finally, while there may be a distinction in the severity of risk of the credit exception, that assessment tends to be inherent in the exception itself rather than the subject of the exception (e.g., unsecured lending is bad rather than unsecured lending should only be extended to high pass risk rated credit).

Policies 195

Policies Lending Risk Management Examples 195

South State Correspondent

AUGUST 21, 2022

Lending Discipline: Hedging programs make loan pricing more transparent and force bankers to exercise sensible pricing methodologies. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC).

How To 195

How To Community Bank Community FDIC 195

American Banker

JANUARY 28, 2020

To guard against headwinds in the agricultural sector, the Federal Deposit Insurance Corp. recommended that institutions consider the “overall financial status” of farm loan borrowers.

Exercises 62

Exercises FDIC Risk Management Industry 62

Abrigo

NOVEMBER 11, 2019

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

Management 150

Management FDIC Community Risk Management 150

CFPB Monitor

JUNE 1, 2020

In its analysis accompanying the final rule, the OCC observed that, while Section 85 clearly establishes a national bank’s authority to make and transfer loans, it does not expressly address how the exercise of that authority affects the interest term. The FDIC has not yet acted on its proposal.

FDIC 78

FDIC National Lending Analysis 78

Abrigo

NOVEMBER 22, 2021

Consumer Lending Laws & Compliance Financial institutions offering consumer loans need to know about these major consumer lending laws and recent compliance issues. You might also like this webinar, "Consumer Lending 101.". Consumer lending compliance spotlight. Pandemic Issues.

Compliance 195

Compliance Lending Risk Management Regulation 195

Abrigo

MARCH 17, 2022

Agencies note that existing guidance, including that covering interest rate risk management, commercial real estate concentrations, and funding and liquidity management (among others), continues to apply. Prudent stress testing as a risk management tool helps the enterprise see where the potential pitfalls are in their plans.

Capital 195

Capital Regulation Risk Management Community 195