Blog - Page 13 of 24 - Premier Insights

05Apr2018

Agencies Change Appraisal Threshold Requirement

The agencies have jointly issued an amended rule that increases the current appraisal threshold for commercial real estate (CRE) transactions from $250,000 to $500,000.

29Mar2018

Agency Provides Update to Examination Modernization Project

The Federal Financial Institutions Examination Council (FFIEC) has announced an update on the status of its Examination Modernization Project.

22Mar2018

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 must be fit to data.

15Mar2018

CFPB Seeks Additional Public Comment

In a previous post, we highlighted the CFPB’s request for comment on its Civil Investigative Demand (CID) process. The CFPB is continuing to request comment on other facets of its operations in an apparent attempt to reform the fledgling agency.

08Mar2018

Prevalence of Online Mortgage Lending & Fair Lending

The Federal Reserve Bank of New York released in February (2018) a study examining the role of technology-based residential mortgage lending. The report highlights the growth in volume of mortgage lending conducted exclusively over the internet along with other characteristics of this method of service delivery.

01Mar2018

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 used by certain financial institutions with total consolidated assets of more than $10 billion for stress tests required under the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010.

22Feb2018

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 traditional bank branch as a delivery method for financial services.

15Feb2018

CFPB Solicits Public Comment for Civil Investigative Demand (CID) Process

Although the future leadership of the Consumer Financial Protection Bureau remains in limbo, the agency is requesting public comment on its Civil Investigative Demand process.

08Feb2018

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 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 […]

01Feb2018

OFR Financial System Vulnerabilities Monitor Notes Increased Market Risk

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.