Blog - Page 18 of 24 - Premier Insights

16Aug2017

The U.S. Economy At A Glance

The state of the economy was the subject of one of our posts last week. The New York Fed has just released a concise and useful summary of current indicators. These are summarized below.

10Aug2017

What Is The State of The U.S. Economy?

There is a flood of economic indicators that one can evaluate with new data being released almost daily. There are national and state governmental agencies dedicated solely to analyzing and forecasting economic conditions and trends and a host of private firms that do the same thing. But what IS the state of the U.S. economy?

08Aug2017

New Frontiers for Fair Lending: Race & Ethnicity-Specific Redlining Analyses

There are often game-changers in the world of regulatory risk.

03Aug2017

Bank Regulation & The Great Recession

Since the financial crisis of the last decade and what has become known as the “Great Recession”, there has been much debate and finger pointing in terms of the underlying cause and what could have been done differently. Some of it is myth, mystery, and urban legend as speculation continues to attempt to pinpoint the […]

01Aug2017

Premier Insights, Inc. Begins its 23rd Year

Today, August 1, 2017, marks the beginning of the 23rd year of Premier Insights. As I look back over the last two decades I am very grateful – thankful for our success and for the many clients and other tremendous individuals and firms we have had the opportunity to work and partner with over the […]

28Jul2017

Loan Stratification for Conducting Fair Lending Regression Analysis

We have discussed previously some of the limitations of regression analysis and the importance of an appropriate sample. In today’s post we delve a little deeper into these issues and provide a broader perspective to amplify these points.

25Jul2017

In the Fair Lending Crosshairs: Commercial Lending

Historically, business lending has not been the focus of fair lending reviews during bank examinations. The focus is usually on HMDA reportable applications since government monitoring information (GMI) is available and, therefore, protected and non-protected classes status is readily identifiable. How is that changing today?

20Jul2017

FDIC Releases Guidance on Redlining Risk and the Concept of REMA

Evaluating redlining risk can take a number of forms and methods. In a recent webinar by the FDIC, the agency reaffirmed and provided more detail about a bank’s “REMA”, or Reasonably Expected Market Area.

18Jul2017

Competition for the Affluent Banking Market and Disparate Impact

Commercial banks are required under the Community Reinvestment Act (CRA) to serve all segments of the communities in which they operate. This includes making loans to areas and individuals of all income levels, and particularly low and moderate income communities and persons.

13Jul2017

FDIC Meeting of Advisory Committee on Community Banking

The FDIC held a meeting of the Advisory Committee on Community Banking on Wednesday, July 12.