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Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
Publications
Real Estate Lending Risks Monitor
RE Market Conditions in the West: March 2019
This issue of the Real Estate Lending Risks Monitor focuses on office sector performance, as well as the impact of coworking space on office demand in the 12th District.
First Glance 12L
Fourth Quarter 2018: Bank Profits Strong amid Waning Growth and Weaker Sentiment
The 4Q18 issue of First Glance 12L notes continued strong bank performance. At the same time, District job growth slowed and sentiment regarding future loan demand, credit performance, and economic conditions weakened. Some housing markets and price tiers showed signs of softening. A new Spotlight feature discusses bank branching trends.
Federal Reserve System Publications
FedLinks: Vendor Management Considerations for Flood Insurance Requirements
This bulletin discusses specific provisions of federal flood insurance requirements affecting loan origination and servicing, the potential risks vendors pose in these areas, and sound practices to mitigate those risks.
Federal Reserve System Publications
Consumer Compliance Outlook: Second Issue 2018
The latest issue of the Consumer Compliance Outlook newsletter is now available. This issue includes articles on preparing for a consumer compliance examination, compliance with the escrow accounting rules, and information on recent regulatory updates and notable federal court opinions.
Federal Reserve System Publications
FedLinks: Sound Risk Management of CRE Credit Concentrations
This bulletin addresses the importance of sound risk management practices when credit risk is heightened by concentrations in commercial real estate (CRE) credits. It notes that the key to a successful CRE lending operation is the development of a robust risk management framework that includes strong underwriting standards and credit administration practices.
Pacific Exchange Blog
Why Do Japanese Households Hold So Much Cash?
Japanese households are well known for their preference for cash, which represents the majority of their financial assets. While Japan’s economic and financial history explain part of this behavior, broader structural and cultural factors are also at play.
