California Lending Regulation Risk Management 
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).
Gonzobanker
FEBRUARY 23, 2022
To do this, banks can leverage their competencies in payments, lending, operations, and risk management while using the earnings generated from BaaS to transform their core business. The winners in BaaS will be outstanding risk managers – not risk eliminators. Panning versus mining for BaaS gold.
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Independent Banker
FEBRUARY 24, 2016
Regulators warn once again about rising CRE concentrations and risks. A whopping 95 percent of ICBA members are active commercial real estate (CRE) lenders, according to the latest ICBA Community Bank Lending Survey. He believes that in the area of credit risk, “the warning lights are flashing yellow.” percent.
Independent Banker
DECEMBER 31, 2021
Regulators haven’t yet broached the subject with them. The greater concern is how the regulatory agencies will expect us to update our risk profile based on climate factors.”. For example, we don’t do mortgage lending right now, because we don’t have the compliance expertise and staff knowledge,” Silveria says.
Independent Banker
MAY 24, 2016
This leaves federal crop insurance support as a key risk-management tool. It’s a crucial risk-management tool” for 1.7 million farms and the community banks that lend to them each growing season, Scanlan points out. It’s a crucial risk-management tool” for 1.7 Robert Johansson, USDA economist. “I
Independent Banker
DECEMBER 13, 2015
Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Today Security Federal Savings’ vehicle-lending portfolio has been reduced to $3 million. Current lending practices can’t produce profitable car loans, Thompson adds.
Independent Banker
NOVEMBER 24, 2015
Competition and regulatory risk in car lending race off. Indirect auto lending has played a major role for Security Federal Savings Bank in Jasper, Ala. Today Security Federal Savings’ vehicle-lending portfolio has been reduced to $3 million. Current lending practices can’t produce profitable car loans, Thompson adds.
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