Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

SEPTEMBER 14, 2022

In 2010, Congress enacted the Dodd-Frank Act “ [t]o promote the financial stability of the United States by improving accountability and transparency in the financial system.” Those implementing regulations were coming. In fact, it took a lawsuit initiated by a California community group in 2019 to get things moving.

Lending 195

Lending Data Regulation Community 195

Independent Banker

OCTOBER 1, 2022

But as the prevalence of security breaches grows, so do the opportunities for community banks to position themselves as guardians of their customers’ personal data through compliance, technology and relationship building. By Katie Kuehner-Hebert. Data privacy and security is a hot topic and is only getting hotter. Bob Hickok, Eide Bailly.

Data 91

Data How To Community Bank California 91

CFPB Monitor

JULY 5, 2022

While fair lending has already been identified as a priority for banking regulators by the Biden Administration, the GAO report, particularly its findings regarding the decline in annual fair lending examinations and deficiency findings leading to matters requiring attention at smaller banks, could further fuel the OCC’s focus on fair lending.

Lending 78

Lending Report Policies Handbook 78

Independent Banker

FEBRUARY 24, 2016

Community banks cannot afford to ignore the staggering pace of lending adoption by both individuals and businesses using digital-only platforms from various nonbank technology-based specialty lending firms. But community banks should not be without hope, nor should they underestimate the significance of customer relationships.

Community Bank 70

Community Bank Community Lending FDIC 70

Gonzobanker

SEPTEMBER 5, 2017

Under the DFA, banks that cross over $10 billion in assets face costly regulations such as DFA stress testing, Consumer Financial Protection Bureau oversight and Durbin Amendment compliance, which caps banks’ interchange income. Although smaller institutions are not subject to DFAST, many have adopted it in some fashion.

Risk Management 60

Risk Management Compliance Survey Cards 60

Jeff For Banks

JUNE 2, 2023

Second, this can be accomplished only if the industry does not have too much influence over its regulators and if the regulators have the ability to hire, train, and retain qualified staff. Third, the regulators need adequate financial resources. My lesson learned to the regulators, read your past lessons learned.

FDIC 78

FDIC Community Bank Regulation Lending 78