Blog - Page 3 of 19 - Premier Insights

28Mar2019

FDIC Chair McWilliams Addresses “Regulatory Tone” In Examinations

In a speech earlier this year, FDIC Chair Jelena McWilliams provided some insights concerning her vision with regard to bank regulation.

15Mar2019

FDIC & Duke Announce to Host Technology Conference

Changing and advancing technology continues to impact the financial services industry. This influence is far reaching, and has implications not only related to consumer preferences but also to raise policy and regulatory questions.

07Mar2019

OIG Report Recommends CFPB Improve Process Regarding MRA’s

The Office of Inspector General issued a report dated January 28, 2019 with recommendations designed to improve the Bureau Division of Supervision, Enforcement and Fair Lending’s (SEFL) Matters Requiring Attention (MRA) follow-up process.

01Mar2019

No Recipe May be a Recipe for Disaster

As a New Orleans native, we are very proud of our cooking and food – and, for good reason. My grandmother had to be one of the best cooks that ever walked the face of the earth. No matter the dish, whatever she was serving up was unbelievably good.

21Feb2019

MBA Survey Reports Lower Mortgage Delinquency Rates

After an uptick in the third quarter of 2018, the Mortgage Bankers Association reported delinquency rates on 1-4 family residential properties have fallen to an 18 year low. This is according to the Mortgage Bankers Association National Delinquency Survey.

15Feb2019

Unraveling the (Seeming) Complexity of CECL

The new CECL standard is presumably designed to enhance the stability of the financial sector by providing more accurate assessments of loan losses. It also requires a change from the current estimates of loan losses that are produced by most institutions today to projections or forecasts.

07Feb2019

Exploring Statistical Correlation: Causation and Non-Linearity

What does it mean that two variables are correlated? In this video, we explore the meaning of correlation and remind you that, as the old adage says, correlation does not equal causation. Two variables may appear to be correlated when, in fact, they are unrelated, and the apparent correlation is the result of random chance. [...] Read More

31Jan2019

FDIC Chair’s Comments Offer Some Regulatory Perspective & Vision

Speaking at the American Bar Association Banking Law Committee Annual Meeting, “Principles of Supervision”; in Washington, D.C., FDIC Chair McWilliams described her vision and priorities for the Corporation.

24Jan2019

Looking Under The Hood: Do Your Loan Policies Need a Tune-Up?

A regulatory examination of lending activity, whether fair lending related or safety and soundness, always focuses on data. Data integrity notwithstanding (which is another blog post entirely), such data is a function of (2) things: (1) policies and (2) actual practices. The interaction of these two forces creates the lending data that will be […]

17Jan2019

Mounting Economic Concerns Reinforce Need for CECL Preparation

As concerns continue to grow for investors due to market volatility and increasingly pessimistic economic forecasts, financial institutions should be paying particular attention. The economic news, coupled with the prospect of more interest rate hikes, not only create conditions for weakening asset quality and earnings but also highlights the importance of measuring these potential impacts […]