As is the case with most things in life, the regulatory environment goes through cycles. With respect to fair lending, examinations in the past few years have emphasized issues such as loan underwriting, redlining, and steering as opposed to pricing. Part of the explanation for this is cyclical, but also because examiners have perceived pricing […]
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The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 established the Office of Financial Research (OFR) to support the Financial Stability Oversight Council, the Council’s member organizations, and the public.
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The FDIC Supervisory Insights, published by the FDIC’s Division of Risk Management Supervision, Winter 2017 edition contained some important information regarding credit quality and loan asset management.
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Merger and acquisition activity has been on the rise in the last few years among community banks. Extensive research has been done historically on M&A activity in the industry, but an interesting analysis of voluntary mergers post-financial crisis was conducted recently by FDIC economists Eric C. Breitenstein and Nathan L. Hinton. The report focuses on […]
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The federal bank regulatory agencies have announced annual adjustment to the asset-size thresholds used to define small bank, small savings association, intermediate small bank, and intermediate small savings association under the Community Reinvestment Act (CRA) regulations.
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The term “Fintech” has come to mean essentially any application of technology for delivering financial services. More specifically, the term represents a rapidly growing space of alternative lending facilities that are outside of the traditional banking industry. This includes both consumer and, more recently, business lending.
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For the last decade the regulatory and enforcement agencies have been increasingly using statistical methods such as regression to evaluate fair lending compliance. With the passage of Dodd-Frank and the new emphasis on modeling and quantification, there has been a fervor to apply econometric techniques to a wide array of issues in the financial industry. […]
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The FDIC’s Center for Financial Research has produced a white paper which examines the effects of regulatory supervision in regard to safety and soundness and bank’s financial risk.
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The U.S. Census Bureau has released American Community Survey (ACS) data for 2012-2016. The data contains 40 different detailed topics that, beginning in 2010, are no longer captured as part of the Decennial Census. The ACS is currently the only public source of these data available.
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The federal banking agencies have announced their support for the conclusion of efforts to reform the international bank capital standards initiated in response to the global financial crisis.
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