Technological Innovation in the Community Bank Space
The banking industry is entering a new chapter as the use of technology shifts from optional to...
Public HMDA 2019 Overview and What Lenders Should Know
Below, we provide a summary of the recently released 2019 HMDA data, and keys for understanding the...
The Final CRA Rule: Differences in the Proposed and the Final Rule
As of May 20th, 2020, the Office of the Comptroller of the Currency has finalized a new rule to...
Making Sense of COVID-19 Numbers: 5 Keys to Data Interpretation
We have discussed in previous posts reliance on data and how technology and the instant access to...
FFIEC Announces Release of 2019 Public HMDA Data & OCC Finalizes Community Reinvestment Act Rule
2019 Public HMDA Data
On Wednesday, the FFIEC announced availability of the 2019 public HMDA data:
Challenges in Fair Lending Analysis, or Why You Don’t Have to Avoid Swimming Pools When Nicolas Cage is Working
The term “Information Age” probably pre-dates many who are reading this post, possibly originating...
CRA, The Regulatory Exam Process, & The Need For Change
On May 20th, FDIC Chairman Jelena McWilliams announced that the agency would not finalize the...
CECL, Loan Losses, and the Pandemic
The Current Expected Credit Losses standards (CECL) have once again been delayed for an...
Highlights of 2018 Expanded HMDA Public Release
The long awaited release of the expanded Home Mortgage Disclosure Act Loan Application Register...
FDIC Initiates Efforts to Improve the Examination Experience
Regulatory exams are a way of life in the financial industry. Institutions, especially commercial...