CFPB Monitor

NOVEMBER 10, 2016

On November 9, 2016, the Federal Reserve hosted a webinar on overdraft practices. In addition to a CFPB representative, the presenters included representatives from the Fed, FDIC, OCC and NCUA. The CFPB was represented by Victoria Pawelski, Counsel, Supervision Policy, Supervision, Enforcement and Fair Lending.

FDIC 76

FDIC Policies Lending Report 76

CFPB Monitor

NOVEMBER 21, 2016

On December 1, 2016, the FDIC will co-host an interagency webinar that will focus on Military Lending Act regulations and the Department of Defense’s recently-released interpretive rule. In addition to a CFPB representative, the other webinar participants will consist of representatives of the FDIC, OCC, and Federal Reserve. .

FDIC 60

FDIC Lending Regulation 60

Abrigo

FEBRUARY 12, 2020

CRE loan performance metrics at FDIC-insured institutions are strong, although institutions with CRE concentrations may be vulnerable to economic changes,” The FDIC said in its 2019 Risk Review. CRE Lending. Lending & Credit Risk. Navigating the CRE Landscape: Leveraging Your Portfolio For Growth in 2020. Learn More. Learn More.

Lending 195

Lending Trends FDIC Survey 195

Abrigo

JANUARY 8, 2016

FDIC and Federal Reserve officials told the GAO that they had been hearing similar concerns from the institutions they regulate. The FDIC officials reported they are working with examiners to help ensure they follow policies that “take into consideration the size, complexity, and risk profiles of banks,” according to the GAO study.

Regulation 150

Regulation FDIC Survey Community Bank 150

CFPB Monitor

MAY 11, 2021

The FDIC’s settlement with Umpqua Bank announced yesterday involved collection practices connected with commercial equipment financing offered by the bank’s wholly-owned subsidiary. First, it is an example of the FDIC taking a UDAP enforcement action based on collection practices, which has not been a common theme of FDIC actions in the past.

FDIC 78

FDIC Lending Trends Regulation 78

Abrigo

MAY 19, 2023

You might also like this webinar, "Return to basics: Asking the right credit risk questions." WATCH Takeaway 1 Loan review officers must figure out how to adhere to the FDIC’s guidance on loan review and credit risk review systems. Does your loan review system meet regulatory expectations?

System 195

System Regulation How To Lending 195

CFPB Monitor

JULY 21, 2021

Last week, the OCC, Federal Reserve Board, and FDIC issued proposed guidance for banking organizations on managing risks associated with third-party relationships, including those with financial technology-focused entities such as bank/fintech sponsorship arrangements. On August 6, 2021 from 12:00 p.m. to 1:00 p.m.

Risk Management 78

Risk Management Management FDIC Financial Technology 78

Abrigo

MAY 20, 2022

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. FDIC Update. Last April, the FDIC released an Interagency Statement titled Model Risk Management (MRM) for Bank Models and Systems Supporting BSA/AML Compliance.

Risk Management 195

Risk Management Management FDIC Meeting 195

CFPB Monitor

DECEMBER 19, 2019

The OCC and FDIC have issued a joint proposal to revise their regulations implementing the Community Reinvestment Act (CRA). Although the Federal Reserve, OCC and FDIC, are the primary CRA regulators, the Fed did not join the proposal and presumably will issue a separate proposal. On January 29, 2020, from 12 p.m. Our thoughts.

FDIC 78

FDIC Regulation Community Retail 78

Abrigo

JULY 26, 2021

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. Learn more. How it Works. Banks input peer data, then adjust. Register Now.

Tools 195

Tools Kansas City Kansas Regulation 195

Abrigo

JUNE 28, 2024

You might also like this on-demand webinar, "Navigating uncertain times: Strategies for effective risk management and compliance." It is the first in a series of blogs on navigating the uncertain times bankers find themselves in, drawing on insights from industry experts at a recent Abrigo webinar on risk management.

Community Bank 195

Community Bank Strategy Community Management 195

Abrigo

DECEMBER 23, 2014

Banks and credit unions continued loan growth after the lows of the economic downtown, as recently highlighted by the FDIC and OCC. How to calculate present value of future cash flows for a TDR – This post contained a video from a Sageworks webinar that described how to work with troubled debt restructure (TDR) scenarios.

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FDIC Trends Video How To 171

Abrigo

OCTOBER 30, 2024

In addition, he noted, a recent consent order from the FDIC required an institution with assets below $1 billion to ‘establish satisfactory quality control procedures over the alert clearing and investigation process. Abrigo Advisors expect this emphasis on quality control will be a theme during exams —even at smaller institutions.

Compliance 222

Compliance Training System Management 222

CFPB Monitor

OCTOBER 13, 2016

The Federal Reserve has announced that on November 9, 2016, it will host a webinar on overdraft practices. Webinar speakers will discuss issues identified through consumer complaints, examinations, and enforcement actions. In addition to a CFPB representative, the speakers will include representatives from the Fed, FDIC, OCC and NCUA.

FDIC 60

FDIC Report 60

Abrigo

NOVEMBER 11, 2019

Bankers since the financial crisis have become accustomed to seeing language like the following: “The FDIC is re-emphasizing the importance of prudent interest rate risk oversight and risk management processes to ensure FDIC-supervised institutions are prepared for a period of rising interest rates.” FDIC FIL-46-2013 October 8, 2013.

Management 150

Management FDIC Community Risk Management 150

Abrigo

AUGUST 7, 2023

You might also like this webinar, "Conquering CECL model validation: Prepare for success." During a recent Abrigo webinar, about two-thirds of participants said their financial institutions had a model risk management process in place, as well as an inventory of models.

Risk Management 195

Risk Management Handbook Analysis Management 195

Abrigo

DECEMBER 22, 2023

You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Effective CECL model validation: A framework During a 2023 Abrigo webinar, about two-thirds of participants said their financial institutions had a model risk management process in place, as well as an inventory of models.

Risk Management 222

Risk Management Regulation Management Lending 222

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. The FDIC’s “Problem List” dropped to 291 institutions, from 329 in 2013. The positive trends from the third quarter of 2014 continued for the industry sub-set. percent to 75.4

Community Bank 150

Community Bank Community FDIC Industry 150

Abrigo

MARCH 9, 2015

The latest FDIC Quarterly Banking Profile was just released and the industry continues to be led by the nation’s community banks. The FDIC’s “Problem List” dropped to 291 institutions, from 329 in 2013. The positive trends from the third quarter of 2014 continued for the industry sub-set. percent to 75.4

Community Bank 150

Community Bank Community FDIC Industry 150

Abrigo

JUNE 11, 2021

FDIC) noted in its 2021 Risk Review. You might also like this webinar on liquidity risk. Learn more about how to navigate risks facing financial institutions with this webinar series, "Managing Liquidity Risk and Profitability". check out Webinars. EAR, Gap Analysis. Measure interest rate risk in the short-term.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

APRIL 21, 2020

Steve Domine, President of Minnesota Community Banking and Senior Vice President of Lending at Stearns Bank, explained during a recent Independent Community Bankers of America (ICBA) webinar that his bank sought both inside and outside counsel to understand the SBA rulings. The program became available for financial institutions on Thursday.

Lending 195

Lending Capital Minnesota FDIC 195

Abrigo

MARCH 3, 2022

According to FDIC data, in 2016, commercial banks reported 23 million total small business loans, an increase of 4 million from 2010, with an aggregate loan balance unchanged of just over $627 billion. Learn more with this best practices webinar. Watch Webinar. Changing Lending Environment. Keep me informed. Learn More.

Lending 195

Lending Community Marketing Community Bank 195

Abrigo

FEBRUARY 8, 2024

The FTC and the OCC have resources available for financial institutions to use for client education, and so do other agencies and groups: The FDIC has a fraud education web page for students, parents, and teachers to help young people learn ways to protect themselves and to quiz youngsters on spotting scams.

Fraud 195

Fraud Resources social media Software 195

CFPB Monitor

DECEMBER 28, 2023

On October 24, 2023, the OCC, FDIC and Board of Governors of the Federal Reserve System jointly adopted final amendments to their regulations implementing the Community Reinvestment Act of 1977 (CRA). In this episode, which repurposes a webinar, we are joined by guest speaker Kenneth H. Thomas, Ph.D.,

Community 78

Community FDIC Regulation System 78

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. That 13% represented 80% of the losses to the FDIC insurance fund. How did we get here?

Risk Management 150

Risk Management Management Capital Lending 150

CFPB Monitor

JUNE 29, 2020

The FDIC has issued its widely anticipated final rule resolving the uncertainty caused by the Second Circuit’s Madden v. Although the press release accompanying the FDIC’s final rule states that the “FDIC’s action mirrors” the OCC final rule, the two final rules are not identical in every respect. Midland Funding decision.

FDIC 60

FDIC National Analysis Regulation 60

Abrigo

MARCH 25, 2020

The FDIC chairman had earlier asked FASB to exclude coronavirus-related modifications from being labeled a concession when determining a TDR, saying that while regulators encouraged working with borrowers, institutions worried modifications would trigger a TDR classification. Modifications not automatically TDRs. Asset/Liability.

FDIC 150

FDIC Regulation Exercises Community 150

CFPB Monitor

JUNE 12, 2020

Rather, the decision acknowledges that both the OCC and FDIC had issued proposals rejecting Madden. Nevertheless, it is surprising that the Colorado court was willing to ignore the views of the OCC and FDIC expressed in their proposals, given that they are the agencies charged with interpreting the relevant federal law provisions.

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Colorado FDIC Analysis National 78

CFPB Monitor

NOVEMBER 30, 2023

This is our third blog post on the final rule issued on October 24, 2023 by the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency amending their regulations implementing the Community Reinvestment Act (“CRA”) (the “Final Rule”). . Continue Reading

Community 147

Community Regulation System FDIC 147

South State Correspondent

MARCH 15, 2023

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. Look for more formal education teaching bankers how to talk to customers about FDIC insurance, bank safety, and liquidity concerns.

social media 195

social media FDIC Branding Management 195

Abrigo

OCTOBER 28, 2022

Overall, FDIC-insured commercial banks and savings institutions aren’t seeing dramatic increases in net charge-offs ( Chart 1 ) or rates related to declining asset quality ( Chart 2 ), such as past-due rates and rates for non-current loans. Watch webinar. watch webinar. Loan performance since 2020 Chart 2. C&I Loans.

Management 195

Management Risk Management Policies Lending 195

Abrigo

JUNE 23, 2017

FDIC officials in March also cited excessive, unsupported or the absence of board-approved limits for CRE portfolios or portfolio segments when the regulator outlined some of the weaknesses its examiners were seeing in oversight, loan administration and underwriting at some banks with CRE portfolios.

Policies 150

Policies Risk Management Survey FDIC 150

CFPB Monitor

MAY 19, 2016

” The other agencies are the OCC, Fed, FDIC, and NCUA. ET, Ballard Spahr attorneys will hold a webinar on the guidance: Interagency Deposit Reconciliation Guidance: Will Your Bank’s Practices Meet Expectations? The webinar registration form is available here. Culhane, Jr. On June 21, 2016, from 12 p.m.

Policies 60

Policies Regulation Compliance FDIC 60

Abrigo

JULY 10, 2023

Get more tips for managing the AML program from this webinar: "Conquering BSA challenges: Best practices for managing a successful AML program" DOWNLOAD Takeaway 1 AI can enhance our efficiency, but financial institutions must be on guard against AI fraud. Here are several suggestions for tightening security.

Fraud 150

Fraud How To social media Security 150

CFPB Monitor

JANUARY 6, 2020

ET, Ballard Spahr will hold a webinar on the CRA proposal. Click here to register.).

Mobile 78

Mobile FDIC Payments Community 78

Abrigo

AUGUST 8, 2021

The Federal Reserve, the OCC, the NCUA, and the FDIC repeatedly pointed out that the nature of loan review or credit risk review at a given bank or credit union will vary. Learn how loan review is your credit union's competitive advantage with this webinar, "Create and Maintain a Successful Loan Review Function at Your Credit Union".

System 195

System Lending Policies Regulation 195

CFPB Monitor

SEPTEMBER 8, 2016

ET, Ballard Spahr attorneys will hold a webinar on the interpretive rule: “The DoD’s 11th Hour Interpretive Rule For New MLA Rules.” ” More information about the webinar and the registration form is available here. On September 20, 2016, from 12 p.m. Several of those suggestions are noted below.

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Compliance FDIC Security Regulation 60