Abrigo

FEBRUARY 6, 2024

Cash flow analysis: Draft policies focused on consistent and accurate cash flow analyses. Consider that global cash flow analysis will be necessary for complex borrowers and outline cases in which analysis is encouraged. Get ready for the next credit cycle with credit department housekeeping tips from this webinar.

Lending 221

Lending How To Risk Management Policies 221

Perficient

MARCH 3, 2022

The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. As repeated by federal bank regulators, the required economic scenarios are not forecasts. The 3-month Treasury rate increases from 0 percent to 1.5%

Capital 294

Capital Regulation Exercises United States 294

PYMNTS

FEBRUARY 25, 2019

cannabidiol (CBD) market continues to grow, with nearly 7 percent of Americans saying they use the substance. According to an analysis by Cowen & Co., the market could reach $16 billion by the year 2025, as per a report by Bloomberg. In Maine and Ohio, regulators have also curtailed sales of the compound.

Marketing 179

Marketing New York City US Ohio 179

PYMNTS

AUGUST 23, 2019

So far the XPOS has been shipped to over 30 countries, with plans to send out 100,000 devices to the global retail market by 2021. And blockchain analysis firm Chainalysis announced the launch of suspicious cryptocurrency transaction alerts in Chainalysis Know Your Transaction (KYT).

blockchain 124

blockchain Analysis cryptocurrency Bitcoin 124

South State Correspondent

MAY 9, 2023

The regulators are considering three options: raising the limit above $250k, raising the cap for only certain accounts (such as banks’ business accounts), or eliminating the cap entirely. We believe any change to the FDIC insurance coverage should aim to maintain and advance our credit markets. economy needs.

FDIC 195

FDIC Regulation Capital Management 195

CFPB Monitor

OCTOBER 8, 2020

The CFPB also rescinded its Compliance Bulletin 2015-05, RESPA Compliance and Marketing Services Agreements. The CFPB issued Bulletin 2015-05 in response to requests from the residential mortgage settlement service industry for guidance on the legality of marketing service agreements (MSAs).

Marketing 148

Marketing Regulation Analysis Compliance 148

Perficient

JULY 10, 2023

But, as one of the most regulated and notoriously untrusted industries, the financial services industry is among the most vulnerable to being impacted by negative digital media, driving up its vulnerability to reputational risk.

social media 170

social media Risk Management Analysis Industry 170

PYMNTS

SEPTEMBER 13, 2019

So far, most data issues with tech companies have been handled on a case-by-case analysis, without specific regulatory guidelines. If we want to define the market, to set out what’s acceptable and what isn’t, then what we need is not more competition enforcement. We need regulation,” she said in Copenhagen.

Regulation 108

Regulation Data Guidelines Maine 108

Abrigo

JUNE 11, 2021

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Takeaway 2 Asset/liability management models use earnings or income simulation models and gap analysis to measure short-term IRR. EAR, Gap Analysis. Regulatory Emphasis.

How To 195

How To Risk Management Analysis Kansas City 195

PYMNTS

JULY 2, 2018

Despite a regulation crackdown and other issues, investors have continued to fund cryptocurrency startups in 2018, with ICOs raising $11.8 According to a Wall Street Journal analysis of nearly 900 offerings listed on ICOBench.com, that is more than double the $5.5 The private market is going to be hot for a while.”.

Regulation 101

Regulation cryptocurrency Fraud Analysis 101

Abrigo

FEBRUARY 16, 2024

Assign clear responsibilities and establish accountability at all levels—from mechanics and calculations to analysis of covenant breaches. Kirby also recommends identifying the concentrations in your loan portfolio so regulators can see that you are planning for the future of whatever industries your financial institution specializes in.

Training 195

Training Risk Management Analysis Policies 195

PYMNTS

JULY 25, 2019

According to the company, those data protection regulations have changed the way businesses must process their company expenses. Adding to the friction of expense management is the ongoing use of paper and manual processes, the company noted, preventing firms from more sophisticated spend analysis and cost savings.

Management 108

Management Marketing Analysis Analytics 108

Abrigo

FEBRUARY 24, 2022

Takeaway 1 Interest rate risk for financial institutions is the risk that earnings and market value may decline as market interest rates change. . Takeaway 3 Two methods of measuring short-term interest rate risk are a gap analysis and, more commonly, an income simulation. Earnings at Risk.

Management 195

Management Analysis Strategy Policies 195

BankUnderground

JANUARY 19, 2023

To what extent are prices of Environmental, Social and Governance (ESG) assets driven by the sentiment of market participants, as opposed to economic fundamentals? To answer this question, I make use of Natural Language Processing ( NLP ) tools and an original corpus of tweets to capture market sentiment around climate change.

Marketing 85

Marketing Analysis Policies Tools 85

South State Correspondent

MAY 7, 2024

On April 26, 2024, Republic First Bank (DBA Republic Bank) was seized by state regulators and the long running bank drama came to an end. However, that faster growth was not unusual and reflects the bank’s higher growth markets. This first bank failure in 2024 is reported to cost the Deposit Insurance Fund $667mm.

Risk Management 195

Risk Management Security Management Groups 195

PYMNTS

JULY 13, 2018

Reports in Bloomberg on Thursday (July 12) said the junk bonds and leveraged loans market is worth $2.3 trillion, and competition is rising as regulators slowly ease restrictions on banks’ corporate lending practices. Bloomberg said less-regulated regulators saw sharp increases in their share of new U.S.

Marketing 100

Marketing Regulation Dallas Retail 100

BankUnderground

APRIL 27, 2021

Repo markets form part of the plumbing of the financial system. When there is a blockage in repo it has repercussions on financial markets. Importance of repo markets. Small changes in the cost or availability of repo can therefore have a significant impact on financial markets and the real economy. Rupal Patel.

Marketing 106

Marketing Policies Regulation Analysis 106

BankUnderground

DECEMBER 8, 2021

Combining textual analysis of banks’ annual reports with the assessment of a key too big to fail (TBTF) reform, we show that this prediction holds in practice. We adjust the official G-SIB score to make it suitable for our analysis. Context-based analysis allows us to further narrow down the regulatory treatment date.

Regulation 82

Regulation Analysis Capital System 82

Perficient

FEBRUARY 29, 2024

Through the analysis of diverse data sets, automation of loan processing, and consideration of varied factors, financial institutions are not only increasing customer satisfaction and reducing operational costs but also fostering resilience in the face of evolving economic landscapes.

Trends 221

Trends Industry Analytics Compliance 221

Perficient

MAY 15, 2023

market trend data, economic data, etc.) to more accurately perform “bigger picture” predictive analysis. Additionally, maintaining clear, comprehensive data systems promotes business ethics and adherence to laws and regulations enforced by regulatory bodies. Risk & Fraud Prevention.

Data 275

Data Conference New York City New York 275

Bobsguide

NOVEMBER 27, 2017

“Stress-tests improve an asset manager’s resilience in times of market stress regardless of regulation. Consequently, best-in-class firms will accommodate emerging trends in asset management that affect investors well before regulators take action.” ” - Asset Managers Face.

Analysis 60

Analysis Regulation Trends Management 60

FICO

OCTOBER 12, 2022

Risk-Aware Marketing to Personalize Telco Customer Engagement. Innovators are shoring up their market share by opting for cloud-hosted platform technology more typically favoured by banks. Here's how technology from the banking space can help telcos compete with aggressively competitive sales and retention tactics. FICO Admin.

Marketing 96

Marketing Analytics Customer Experience Data 96

CB Insights

OCTOBER 29, 2020

Capital markets infrastructure powers the trade of stocks, bonds, and other securities, handling $3000T+ in transactions each year. This massive market, which includes a broad range of financial “plumbing” services, could be poised for a blockchain shake-up. Submit your application here before November 25. Please click to enlarge.

Capital 101

Capital blockchain Marketing Company 101

South State Correspondent

APRIL 30, 2024

We witness over and over how some banks get themselves in deeper trouble booking derivatives on their books that are bets on market interest rate movements. A hedge should have a neutral outcome regardless of how the market moves (within defined bands).

Community Bank 195

Community Bank FDIC Community National 195

South State Correspondent

APRIL 30, 2024

We witness over and over how some banks get themselves in deeper trouble booking derivatives on their books that are bets on market interest rate movements. A hedge should have a neutral outcome regardless of how the market moves (within defined bands).

Community Bank 195

Community Bank FDIC Community National 195

PYMNTS

JANUARY 3, 2017

That figure draws on data from AllTheRooms, an accommodation search engine, and analysis by the Financial Times. NYC has seen 7 percent of its listings taken down to comply with local regulations; Berlin has banned short-term rentals of entire homes; and Barcelona has hit the company with several fines.

Regulation 114

Regulation Company Taxes Analysis 114

The Financial Brand

SEPTEMBER 30, 2021

Signs point to stricter rules for how nonbanks can use banking terms in their apps and marketing, complicating banking-as-a-service deals. The post Will Regulators ‘De-Bank’ Challengers, Neos, Cryptos & Fintechs? appeared first on The Financial Brand - Banking Trends, Analysis & Insights.

Regulation 41

Regulation Fintech Banking Trends Analysis 41

PYMNTS

JANUARY 19, 2018

Fizzle of the Week: Cryptocurrency Regulation. The saga over bitcoin and its relationship to various regulators has become something of the payments answer to a romantic comedy. If crypto closes down in one place, users can take their anonymous accounts to more regulatory-friendly markets. Easy come, easy crypt-go, it seems.

Bitcoin 123

Bitcoin Regulation cryptocurrency Taxes 123

PYMNTS

OCTOBER 19, 2016

According to Brad Fauss, president and CEO of the Network Branded Prepaid Card Association, the recently released regulations on prepaid cards from the Consumer Finance Protection Board could be another instance of good intentions gone wrong. The updated regulations are slated to take effect Oct.

Regulation 100

Regulation Cards Digital Banking social media 100

PYMNTS

SEPTEMBER 30, 2018

Ripple (XRP) has overtaken Ethereum within the last 24 hours, with a 7 percent surge in price for a market valuation of $24.28 But with the market cap of Ethereum only slightly below that of Ripple — combined with the weak volume of XRP — it is likely that Ethereum will regain its position as the second-most valuable cryptocurrency soon.

blockchain 192

blockchain Bitcoin Analysis cryptocurrency 192

PYMNTS

FEBRUARY 16, 2018

Amid the talk of filling in the small business (SMB) financing gap banks have left since the financial crisis, the rush of FinTechs, alternative and marketplace lenders coming to market may have left another business segment behind: the middle market, particularly the lower middle market. We’re not looking to replace banks.

Lending 101

Lending Marketing Analytics Capital 101

Abrigo

AUGUST 1, 2022

Takeaway 2 Even small banks or credit unions not regulated by the Federal Reserve are required to address control risks from models. As financial regulators have noted , this oversight is important because of the "possible adverse consequences (including financial loss) of decisions based on models that are incorrect or misused.”

Risk Management 195

Risk Management Management Regulation Analysis 195

Abrigo

JULY 14, 2023

For example, say your management and board’s strategy for the upcoming year is to grow the CRE loan portfolio by 10%, and the institution needs to consider expanding into new markets to achieve this goal. This analysis will identify CRE types where the institution may be already bumping up against its in-house policy concentration limits.

Strategy 195

Strategy Data Analytics Analysis 195

CFPB Monitor

FEBRUARY 10, 2022

Zywicki and Miller have co-authored a soon-to-be published study, “The Effects on Consumers from Two State-Level Regulations of the Payday Loan Market,” in which they analyzed 15.6 million storefront payday loans made to 1.8

Mississippi 60

Mississippi Regulation Study Analysis 60

PYMNTS

NOVEMBER 16, 2020

According to the press release, LIKEZERO will help to boost a new, more intelligent level of insight, helping banks, financial institutions (FIs) and other regulated businesses to analyze and extract insight and data from clients' clients.

Data 169

Data Regulation Risk Management Training 169

Abrigo

DECEMBER 23, 2022

Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Takeaway 1 Changing economic landscapes, investment markets, interest rates, customer demand, mergers, and acquisitions affect ALM decisions. Would you like other articles like this in your inbox? Learn more.

Resources 195

Resources Risk Management Study Strategy 195

Abrigo

AUGUST 2, 2023

Takeaway 3 Financial institution management can focus on mitigating risk and understanding portfolio dynamics when the analysis is streamlined. The scrutiny is understandable, given financial institutions’ exposure to commercial real estate and current economic and market forces. estimates $1.45

Report 195

Report Risk Management Lending Analysis 195