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By Premier Insights

In Industry Updates

Posted September 20, 2018

Agency Statement Regarding Supervisory Guidance and What it May Mean To Your Institution

Banking regulations contain a degree of subjectivity. Regulations are broad and pertain to the entire industry, but institutions can vary significantly in operations and size even within the subsets of rules that apply to each. Practically speaking, this often leaves the examination process subject to interpretation in terms of what is compliant and what is not.

By Premier Insights

In Industry Updates

Posted September 06, 2018

Achieving CECL Compliance in One Easy Lesson

We have discussed the essentials of CECL in a previous post in which we explained the new requirements. Below we show a simple path toward CECL compliance which may serve as a catalyst toward more refined and robust methods.

By Premier Insights

In Industry Updates

Posted August 23, 2018

Treasury Report Promotes Use of Innovation & Technology in Financial Industry

In response to an executive order signed by President Trump on February 3, 2017, the U.S. Department of the Treasury released a series of reports. These reports identify government policies that promote or inhibit regulation of the U.S. financial system in a manner consistent with the administration’s stated Core Principles. The most recent of these reports, released in July 2018, addresses nonbank financial institutions, financial technology, and financial innovation.

By Premier Insights

In Industry Updates

Posted August 16, 2018

The Fair Lending Risk of Good Intentions

Fair Lending laws and regulations prohibit discrimination on prohibited bases, including race, gender, age and ethnicity.

By Premier Insights

In Industry Updates

Posted August 09, 2018

FDIC Publishes Nostalgic Issue of Consumer News in Commemoration of 25 Years

Initially published in 1993, the FDIC Consumer News newsletter is celebrating 25 years of publication. 

By Premier Insights

In Statistical Analysis

Posted August 02, 2018

Understanding What is Not in the Data: A CECL Illustration

In our last post, we discussed the importance of understanding both what is and what is not included in the data for regression analysis. In this post, we further emphasize this point with an illustration relevant to a common CECL methodology – the probability of default/loss given default method (PD/LGD).

By Premier Insights

In Industry Updates

Posted July 26, 2018

What the Data is and is Not

The first and most important step of any quantitative analysis is understanding what the data consists of. This, unfortunately, is many times ignored in econometric analyses.

By Premier Insights

In Industry Updates

Posted July 19, 2018

Leveraging CECL To Enhance Efficiency and Profitability

The new CECL standards fundamentally change the allowed loan and lease loss (ALLL) calculation for GAAP-reporting institutions. 

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