Statistical Thinking
Economist Karl Popper referred to science as the “art of systematic over-simplification.” Indeed,...
Premier Insights
Agencies Change Appraisal Threshold Requirement
The agencies have jointly issued an amended rule that increases the current appraisal threshold for...
Agency Provides Update to Examination Modernization Project
The Federal Financial Institutions Examination Council (FFIEC) has announced an update on the...
Model Specification for Fair Lending: When Less is More
It is important to bear in mind when conducting regression analysis for fair lending that models...
Prevalence of Online Mortgage Lending & Fair Lending
The Federal Reserve Bank of New York released in February (2018) a study examining the role of...
FDIC Releases Stress-Testing Data for 2018; U.S. Economy Shows Signs of Strengthening
The FDIC last week released stress-testing data for 2018. These are economic scenarios that will be...
The Future of Traditional Brick-And-Mortar Bank Branches Remains a Contradiction
Conventional wisdom for over a decade has predicted all but the complete evaporation of the...
CFPB Solicits Public Comment for Civil Investigative Demand (CID) Process
Although the future leadership of the Consumer Financial Protection Bureau remains in limbo, the...
Lenders Should be Prepared for Increased Fair Lending Pricing Scrutiny
As is the case with most things in life, the regulatory environment goes through cycles. With...