Remove 2007 Remove Capital Remove FDIC Remove Regulation
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Get your ducks in a row: HVCRE risk management

Abrigo

Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. He starts by reviewing some of the data over the last decade, specifically the role that Acquisition, Development and Construction (ADC) loans played leading up to the 2007 recession. Residential construction - 85% 5.

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The Federal Home Loan Bank System: Lender of Next-to-Last Resort

Jeff For Banks

"The FDIC recently has observed instances of liquidity stress at a small number of insured banks." So opened the Summer 2017 FDIC Supervisory Insights issue. Regulators and consultants promulgate this untruth. He was confident in his bank's liquidity position, but felt regulators could artificially create a liquidity problem.

FDIC 60
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Predicting the Next Banking Crisis Is a Fool’s Game. Not Learning From the Last One: Equally Foolish

Jeff For Banks

More recently and by comparison, the mortgage meltdown and subsequent global financial crisis took down more than 500 banks between 2007 and 2014, with total assets of nearly $959 billion. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned. What caused it?

FDIC 78
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What's With Regulator Agita Over Bank Commercial Real Estate Lending?

Jeff For Banks

And regulators are getting anxious. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. To remind readers, in 2006 the OCC, Federal Reserve, and FDIC issued joint interagency Guidance on Concentrations in Commercial Real Estate Lending.

Lending 60
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Why Better Data Is The First Step In Curing The Startup Slump

PYMNTS

Five years after the worst of the carnage in the data out of the Federal Deposit Insurance Corporation (FDIC) showed that lending was beginning to normalize — lending to big businesses had recovered, consumer lending was showing signs of thawing as the mortgage markets began showing signs of coming back from the dead.

Data 135
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Why The ICBA Is Fighting Industrial Loan Charters For FinTechs

PYMNTS

An industrial bank is an FDIC-insured depository institution that is generally subject to the same banking laws and regulations as any other bank charter type, with the important exception of the Bank Holding Act of 1956. ILCs are used to form industrial loan companies, better known as industrial banks.

Industry 108
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Real Estate: Love it or hate it?

Jeff For Banks

As I understand it, government officials (excluding regulators) want banks to lend, banks have the cash to lend, bankers are hesitant to lend, and regulators would just as soon have you hire another compliance officer and purchase a U.S. Regulators are slightly schizophrenic on the subject. Are these more reliable?

Lending 66