Premier Insights, Author at Premier Insights

18Oct2018

Community Banks and Small Business Lending

Community Banks are important economic cornerstones in many communities throughout the nation. According to call report data, commercial banks with less than $10 billion in assets hold 17 percent of total banking assets in the United States but roughly 53 percent of small loans to businesses. From 2008 to 2017, the number of banks this […]

11Oct2018

Financial Sector Risk in A Digitally-Dominant World

In response to the changing risk landscape, the Depository Trust & Clearing Corporation (DTCC) published a whitepaper titled, “The Next Crisis will be Different: Opportunities to Continue Enhancing Financial Stability 10 Years after Lehman’s Insolvency.”

04Oct2018

Legislation Proposed To Expand The Community Reinvestment Act

On September 26, 2018, United States Senator Elizabeth Warren (D-Mass.) introduced the American Housing and Economic Mobility Act. Among other things, the legislation expands the scope of the Community Reinvestment Act (CRA), grants $500 billion in subsidies to homeowners and investments in low-income housing projects.

27Sep2018

When to Use a T-score Versus a Z-score in Fair Lending Analysis

When is it appropriate to use a t-score rather than a z-score? Will the results of fair lending analysis change if I use one rather than the other? These common questions are addressed in this video, the third part of our series reviewing statistical concepts that are fundamental to fair lending analysis. Z-scores and [...] Read More

20Sep2018

Agency Statement Regarding Supervisory Guidance and What it May Mean To Your Institution

Banking regulations contain a degree of subjectivity. Regulations are broad and pertain to the entire industry, but institutions can vary significantly in operations and size even within the subsets of rules that apply to each. Practically speaking, this often leaves the examination process subject to interpretation in terms of what is compliant and what is not.

13Sep2018

Fair Lending Statistics 101: How Distributions Are Used in Fair Lending

This is the second video in our series reviewing statistical concepts that are fundamental to fair lending analysis. In the first part of the series, we described a distribution as an approximation of a histogram of data. In this video, we explore how we use our knowledge of distributions in fair lending. Specifically, we explain why [...] Read More

06Sep2018

Achieving CECL Compliance in One Easy Lesson

We have discussed the essentials of CECL in a previous post in which we explained the new requirements. Below we show a simple path toward CECL compliance which may serve as a catalyst toward more refined and robust methods.

30Aug2018

Fair Lending Statistics 101: What is a Distribution?

Fair lending analysis is becoming increasingly technical, which means a basic understanding of statistics is becoming increasingly important. This video is the first in a series of videos aimed at refreshing your memory on - or perhaps teaching you for the first time - statistical concepts that are fundamental to fair lending analysis. We begin [...] Read More

23Aug2018

Treasury Report Promotes Use of Innovation & Technology in Financial Industry

In response to an executive order signed by President Trump on February 3, 2017, the U.S. Department of the Treasury released a series of reports. These reports identify government policies that promote or inhibit regulation of the U.S. financial system in a manner consistent with the administration’s stated Core Principles. The most recent of these reports, […]

16Aug2018

The Fair Lending Risk of Good Intentions

Fair Lending laws and regulations prohibit discrimination on prohibited bases, including race, gender, age and ethnicity.

Author: Premier Insights