This publication offers observations by the Division Director of Financial Institution Supervision and Credit (FISC) on current banking and regulatory issues facing 12th District institutions.
This issue of Supervisory Spotlight looks both inward and outward in discussing change. First, it provides background on the recent merger of Banking Supervision and Regulation and Credit Risk Management to form a new Division: Financial Institution Supervision and Credit, or FISC. Then, the lens focuses outward to consider topics such as post-crisis changes in approaches to supervision and regulation, the potential for positive changes in community bank net interest margins, the evolving virtual currency landscape and what it means for banks, and one facet of the CFPB’s rules affecting mortgage lending.
This Supervisory Spotlight highlights BS&R’s commitment to effective communication with bankers, whether in person or through writings. It also discusses two recent articles of interest to community bankers regarding interest rate risk modeling and transitioning from a small to large institution under the Community Reinvestment Act.
This Supervisory Spotlight highlights concerns with third-party vendor management and cybersecurity as banks refocus on operational risks in an improving economic and banking environment. It also reminds regulators and bankers of the lessons learned as the nation recovers from the financial crisis.
The latest Supervisory Spotlight highlights changes to the Fed’s community bank supervision program, risks of bank-owned life insurance, the accounting implications of improving asset quality, and cybersecurity.
This Supervisory Spotlight looks at BSA/AML risks and the impact weaknesses in this area can have on community banks. It also provides insight and resources on negative and zero provisions to the ALLL.
The latest Supervisory Spotlight alerts bankers to some of the resources available to better understand and deal with growing cybersecurity risks.
In this new format, we highlight a few of the topics that continue to keep some supervisors up at night, and provide links to more detailed information on these concerns.
We’re happy to see strong loan growth among 12th District banks, but in this issue of the Supervisory Spotlight we note the need to monitor that growth and ensure lending standards remain prudent.
After a look at banking conditions and the declining liquidity metrics in the 12th District, this issue of the Spotlight examines two issues of particular concern to bankers and regulators: interest rate risk and the impact of new capital rules recently announced by regulators.
This issue of the Spotlight focuses on the importance of risk management in the context of earnings challenges banks face as the economic and banking recovery continues. We highlight vendor management, deposit advance products, and other new products and services that banks are looking to to help boost earnings.
This issue of Supervisory Spotlight continues our analysis of the ongoing recovery in banking conditions in the Western United States. We remind readers of the importance of staying updated on the continuing regulatory changes in mortgage rules, the SAFE Act, and the use of credit rating agencies.
This issue monitors the ongoing improvement in banking conditions in the 12th District, and reviews guidance on CRE concentrations, TDRs, and technology service providers.
This issue highlights a few of the new rules and proposals being issued by federal regulatory agencies, and raises ongoing risks for community banks associated with mobile devices and vendor management.
Our quarterly newsletter highlights conditions in District banks and supervisors’ views of some of the important issues facing institutions. This issue looks at Q1 2012, important new regulatory guidance issued in 2012, and two recent communication initiatives–Ask the Fed and the Community Depository Institutions Advisory Council.
This Special Issue examines the May 14 interagency statement on stress testing by community banks.
Our quarterly newsletter highlights conditions in District banks and supervisors views of some of the important issues facing institutions. This issue looks at Q4 2011, and important new regulatory guidance issued late last year and early 2012.