South State Correspondent

AUGUST 21, 2022

In this article, we will discuss what community banks should look for in a hedge provider, specifically in a loan-level hedging program. Second, community banks should use FDIC-insured institutions as hedge providers, and the hedges must be structured as qualified financial contracts (QFC). How Your Hedge Provider Can Be Relational .

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Abrigo

APRIL 12, 2016

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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The Financial Brand

JANUARY 15, 2024

This article Banks Must Prepare for Climate Change — Regulators Finally Say How appeared first on The Financial Brand. This article Banks Must Prepare for Climate Change — Regulators Finally Say How appeared first on The Financial Brand.

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Abrigo

JUNE 11, 2021

Would you like other articles on asset/liability management in your inbox? Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). FDIC) noted in its 2021 Risk Review. EVE Analysis. Measure long-term interest rate risk.

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Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . Would you like other articles on loan review in your inbox? This article is substantially updated from a 2013 blog post. Identifying Credit Weaknesses.

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Jeff For Banks

FEBRUARY 6, 2011

The FDIC has nearly quadrupled its enforcement actions (“EA”) over the past three years. There are many Articles in EAs, and the strategic planning article in the above institutions is one of many. Why do many, if not most of these orders contain Articles relating to strategic and capital plans? I would vote no.

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Abrigo

SEPTEMBER 22, 2015

An article in American Banker noted that preparing call reports have become increasingly time-consuming and complex. The article allowed banking executives to weigh in on the subject. A 2014 ICBA survey cited in the article showed that Stewart is not in the minority in her comment. Sound is a $500 million institution.

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Jeff For Banks

MAY 20, 2017

And regulators are getting anxious. Today, I read an American Banker article on how a multi-billion dollar bank is going to ramp up its business lending. Reading between the lines, this bank is likely over the CRE guidance levels, and were probably getting grief from their regulators about it. Anxiety, anxiety, anxiety.

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The Financial Brand

NOVEMBER 26, 2023

This article Will Federal Guidance Have ‘Chilling Effect’ on Banking-as-a-Service? Federal regulators don’t love BaaS. This article Will Federal Guidance Have ‘Chilling Effect’ on Banking-as-a-Service? appeared first on The Financial Brand. appeared first on The Financial Brand.

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The Financial Brand

JULY 2, 2023

This article What Bank & Fintechs Must Know About Washington’s New Guidance on Partnerships appeared first on The Financial Brand. Get to know banking regulators' new guidance on the subject. Does your bank have or is it contemplating a relationship with a fintech?

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CFPB Monitor

APRIL 15, 2016

The interest of federal regulators in marketplace lending continues to grow. In July 2015, the Treasury Department issued a request for information regarding online marketplace lending and, in February 2016, the FDIC published an article highlighting the risks for banks that partner with marketplace lenders.

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CFPB Monitor

SEPTEMBER 21, 2022

We recently wrote about a Law 360 report indicating that the CFPB appears unlikely, at least in the near future, to undertake new rulemaking that would regulate the use of consumer arbitration agreements. We analyzed the EPI article at great length back in 2017 and found it was riddled with material errors.

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Abrigo

JUNE 2, 2021

Want more BSA training and articles emailed to you? The guidance emphasizes a risk-focused approach to examinations and refocuses the regulators to scope each exam according to the unique financial institution, not to use a one-size-fits-all approach. BSA Rules and Regulation. BSA Rules and Regulation. 6 Critical Areas.

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The Financial Brand

JANUARY 11, 2024

This article How Banks Must Prepare for Their Next Reg Exam appeared first on The Financial Brand. Banks and credit unions know regulators are calling for heavily scrutiny of interest rate and liquidity risks. This article How Banks Must Prepare for Their Next Reg Exam appeared first on The Financial Brand.

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Independent Banker

SEPTEMBER 25, 2014

Federal regulators say, not always. And there are valid circumstances for engaging objective, outside experts to audit and review their risk management and compliance activities, but placating regulators is not one of them. 36% for interpreting regulations. For the regulators, the key word is “independence.”

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Abrigo

SEPTEMBER 5, 2023

In this article, I'll cover what a credit exception is, recommendations for creating loan/credit exceptions, and tips for developing an exception policy for the financial institution. As the FDIC said recently: Exceptions to policy should be few in number and properly justified, approved, and tracked.

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The Financial Brand

OCTOBER 12, 2023

This article Researchers Say the Federal Safety Net Isn’t a ‘Moral Hazard’ After All appeared first on The Financial Brand. This article Researchers Say the Federal Safety Net Isn’t a ‘Moral Hazard’ After All appeared first on The Financial Brand. Were they wrong all this time?

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CFPB Monitor

JULY 22, 2020

Previously, Acting Comptroller of the Currency Brian Brooks indicated that the OCC expected to partner with the FDIC in developing the OCC’s “true lender” rule. Presumably, we will soon see a proposed “true lender” rule from the FDIC. While consumer groups have already threatened to challenge the OCC rules, the U.S

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The Financial Brand

AUGUST 24, 2023

This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand. This article How Proposed Capital Rules Could Hit Credit Cards, Mortgages and More appeared first on The Financial Brand.

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South State Correspondent

APRIL 1, 2023

In this article, we recap the latest data on deposits and banking in order to give you an updated picture. Regulation Last Thursday, the Biden administration released their “ Fact Sheet ” that called on banking regulators to enforce stricter regulations on mid-sized banks, which can be implemented without congressional support.

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Jeff For Banks

MAY 16, 2015

The same reason regulators focus on the little things. Executive recruiter Alan Kaplan recently wrote an article for Bank Director magazine titled What Makes Great Boards Great. Today, Board reports closely resemble War and Peace. You mean you didn't see it? That's on you, fella. Sure, there will be some that do. How could they?

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PYMNTS

JULY 15, 2016

But when it comes to a tactic that plays rope-a-dope with the facts about something, say as serious as whether or not China hacked into the FDIC, then it is not at all cool. Top as in the very top: the FDIC chairman, his chief of staff, and the General Counsel. Maybe not even from a PR perspective either. Lending Club Algorithms .

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Long Lasting Ideas

MARCH 3, 2016

I’ve written several articles about the future of banking, but it appears the Financial Accounting Standards Board could be putting nails in a few coffins. FASB’s complex proposal (Current Expected Credit Loss, or CECL) would force community banks to record a provision for credit losses the moment they make a loan.

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Jeff For Banks

DECEMBER 16, 2022

and Puerto Rico banking laws and regulations. They were under an FDIC consent order from 2014 through 2020 relating to their BSA and OFAC compliance and their relationship with third parties seeking access to the banking system. Jeff Note: I make no investment recommendations in this article or this blog. Well done! #3

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South State Correspondent

MARCH 15, 2023

This article highlights ten not-so-evident lessons of the banking crisis that every banker must consider going forward. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year.

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Jeff For Banks

JULY 16, 2011

In his most recent blog post titled " Are Bank Examiners to Blame for Slow Job Growth " he refutes bankers assertions that regulators are unnecessarily forcing banks to put loans that are paying as agreed on non-accrual. This would put them in sync with regulators, that are requiring banks to write down loans on expected losses.

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Abrigo

DECEMBER 22, 2023

Abrigo's top risk management articles The risk management blogs banks and credit unions are reading Probability of default, CECL model validation, and CRE risk are hot topics that risk management and accounting professionals will be tracking in the coming months. Key tentative decisions and timelines are shown in this blog.

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American Banker

APRIL 12, 2016

are set to give at least four megabanks a "harsh verdict" on their living wills, including JPMorgan Chase, according to an article by The Wall Street Journal, which cited "people familiar with the matter.". The Federal Reserve Board and Federal Deposit Insurance Corp.

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MyBankTracker

JULY 31, 2020

Both the principal value of the certificate and the interest rate are guaranteed by the bank, and fully covered by FDIC insurance for up to $250,000 per depositor, per bank. And since they are issued by banks, they’re also insured by FDIC. Related Articles. CDs typically come with automatic rollover provisions.

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Abrigo

JULY 26, 2021

Would you like other articles like this in your inbox? The Scaled CECL Allowance for Losses Estimator (SCALE) tool was unveiled during an “Ask the Fed” webinar , where regulators described the Excel spreadsheet-based option using estimated loss rates from peers as a “ starting point ” in the calculation.

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Jeff For Banks

JULY 20, 2012

IMCRs When the financial crisis struck, and FIs began to falter, regulators were issuing regulatory orders (supervisory agreements, written agreements, cease & desist orders, and memorandum of understandings, collectively "ROs") faster than my daughters point out that I''m wrong. If you are not familiar with my family, it happens a lot.

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