FDIC, National, Risk Management and System

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

APRIL 30, 2024

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. This capital ratio is used to assess the possible riskiness of a hedge provider.

Community Bank

Community Bank FDIC Community National

If You Are Tired of Being Transactional, You Need A Hedge Program

South State Correspondent

APRIL 30, 2024

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures : National and larger regional banks are specifically targeting better borrowers for five, seven, ten-year fixed-rate loans. This capital ratio is used to assess the possible riskiness of a hedge provider.

Community Bank

Community Bank FDIC Community National

Bank Regulators Seeking Comments on the Use of AI and ML in the Industry

Perficient

APRIL 2, 2021

The five federal agencies are: the Consumer Financial Protection Bureau (CFPB), the Federal Deposit Insurance Corporation (FDIC), the Federal Reserve Board (Fed), the National Credit Union Administration (NCUA) and the. Risk Management. AI may be used to augment risk management and control practices.

Regulation

Regulation Industry Risk Management Analysis

Webinars

Live Demo: How to Achieve Reconciliation Zen

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How to Choose a Hedge Provider as a Bank

South State Correspondent

AUGUST 21, 2022

Eliminate Interest Rate Risk: Eliminate margin compression when interest rates rise. Meet Competitive Pressures: National and larger regional banks are specifically targeting better borrowers for seven, ten, or 20-year fixed-rate loans. Third, we believe that community banks should avoid vendors that require service exclusivity.

How To

How To Community Bank Community FDIC

Loan Hedging for Community Banks in 2024

South State Correspondent

JANUARY 10, 2024

This article will discuss how national, regional, and community banks may use loan hedging programs in 2024 to face earnings challenges. We estimate that approximately another 500 use hedging programs that keep the derivative off balance sheet (thus not reportable by FDIC). Hedging Adoption As of Q3/23, there were just over 4.5k

Community Bank

Community Bank Community National Regional

Consumer Lending Compliance: Hot-Button Issues to Monitor

Abrigo

NOVEMBER 22, 2021

Consumer lending compliance — like other aspects of enterprise risk management at financial institutions — saw a huge impact from the COVID-19 pandemic. Numerous regulatory resources go into detail, including fair lending videos from the FDIC and examination procedures published on the Consumer Financial Protection Bureau’s website.

Compliance

Compliance Lending Risk Management Regulation

An Introduction to Understanding FFIEC Regulations

Cisco

JULY 12, 2022

As a key provider of technology for mission-critical financial system infrastructures across the globe, Cisco is held to the highest levels of scrutiny in the financial services regulatory audit chain. A key challenge is managing iterations of infrastructure in global financial enterprises which have spanned 50+ years of digitization.

Regulation

Regulation FDIC System Software

The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

MARCH 15, 2023

While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. While interest rate risk caused the most significant impact on value, several other factors contributed to the terminality of each bank that was closed.

social media

social media FDIC Branding Management

Federal banking agencies Issue “Crypto Asset Roadmap” for 2022 guidance; OCC confirms prior interpretive letters on crypto (but adds no-objection requirement)

CFPB Monitor

NOVEMBER 29, 2021

In the Joint Statement, the Agencies state that they “recognize that the merging crypto-asset sector presents potential opportunities and risks for banking organizations, their customers, and the overall financial system.”

Compliance

Compliance cryptocurrency Regulation FDIC

Who were ICBA’s Top Lenders of 2022?

Independent Banker

JUNE 30, 2022

But as they always do, they came through for individuals and businesses in their communities with a combination of personalized service and prudent risk management practices. Using FDIC data for 2021, we calculated a lender score out of 100 for each community bank. American Bank, National Association. By Ed Avis.

Community Bank

Community Bank Community National Philadelphia

Treasury report on bank/fintech relationships includes recommendations for CFPB supervision of non-bank installment lenders and data aggregators

CFPB Monitor

NOVEMBER 22, 2022

The Federal Reserve, FDIC, and OCC should finalize the interagency guidance for banks on managing risks associated with third-party relationships that was proposed in July 2021. This includes IDIs acting as lenders in bank/fintech partnerships. The CFPB should consider whether and how it might supervise data aggregators.

Fintech

Fintech Report Data Lending

Regulation and Compliance: Ready for Review

Independent Banker

SEPTEMBER 25, 2014

As David Barr, spokesperson for the FDIC, points out, “a vast majority of community banks remain well-rated and exhibit satisfactory corporate governance programs and compliance management systems.”. Be aware of existing or emerging risk concerns. Toney Bland, Office of the Comptroller of the Currency. in Kent, Ohio.

Compliance

Compliance Regulation Community Bank Community

More Gain, Less Pain

Independent Banker

DECEMBER 13, 2015

Risk levels have a five-point range. The second part measures cybersecurity maturity levels within five domains: cyber risk management and oversight; threat intelligence and collaboration; cybersecurity controls; external dependency management; and cyber incident management and resilience. How is it secured?

Tools

Tools Community Community Bank Security

More Gain, Less Pain

Independent Banker

NOVEMBER 24, 2015

Risk levels have a five-point range. The second part measures cybersecurity maturity levels within five domains: cyber risk management and oversight; threat intelligence and collaboration; cybersecurity controls; external dependency management; and cyber incident management and resilience. How is it secured?

Tools

Tools Community Community Bank Security

Community Banking Brief

If You Are Tired of Being Transactional, You Need A Hedge Program

If You Are Tired of Being Transactional, You Need A Hedge Program

Webinars

Trending Sources

Bank Regulators Seeking Comments on the Use of AI and ML in the Industry

Webinars

How to Choose a Hedge Provider as a Bank

Loan Hedging for Community Banks in 2024

Consumer Lending Compliance: Hot-Button Issues to Monitor

An Introduction to Understanding FFIEC Regulations

The Current Banking Crisis – 10 Not So Apparent Lessons

Federal banking agencies Issue “Crypto Asset Roadmap” for 2022 guidance; OCC confirms prior interpretive letters on crypto (but adds no-objection requirement)

Who were ICBA’s Top Lenders of 2022?

Treasury report on bank/fintech relationships includes recommendations for CFPB supervision of non-bank installment lenders and data aggregators

Regulation and Compliance: Ready for Review

More Gain, Less Pain

More Gain, Less Pain

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