Private Credit Moves In on Traditional Loan Channels, and Regulators Are Watching

Leading the charge into what has become known as private credit, private equity (PE) firms are “originating loans at scale and holding on to them – an activity traditionally done by banks.” One of...

March 22, 2024 | By John Hintze


Unveiling the Hidden Threat of Payment Fraud

In the digital age, where financial transactions have become the lifeblood of businesses, payment and transaction fraud have emerged as significant threats. Our recent Financial Security Trends...

December 15, 2023 | By Johnny Deutsch


Asset Exchange Connects a Network of Lenders to Customized Advice and Analytics

Trends in interest rates, deposit flows and loan demand have put a spotlight on banks’ balance sheets and, in turn, on their asset-and-liability management. While tapping brokered deposits and...

December 8, 2023 | By John Hintze


Corporates Awake to Bank-Counterparty Risk

The implosions of major regional banks this year prompted reexaminations of risk management not only in the banking industry, but also among corporations concerned about their bank-counterparty risks...

December 1, 2023 | By John Hintze


Responses Are Mixed to the SEC’s Treasury Central Clearing Proposal

Disruptions in the market for U.S. Treasuries, the most liquid of government securities markets and one that plays an indispensable role in the financial system, led the Securities and Exchange...

October 27, 2023 | By John Hintze


SEC Approval Sets Stage for Central Clearing in Securities Finance

With approval from the Securities and Exchange Commission to provide central clearing of securities financing transactions (SFTs), the National Securities Clearing Corp. (NSCC) aims to give buy-side...

July 22, 2022 | By John Hintze


Credit Access and Risk: A Balancing Act

The Federal Housing Finance Agency (FHFA) is considering changes to how government-sponsored entities (GSEs), like Fannie Mae and Freddie Mac, apply credit scores in their assessment of mortgage...

April 8, 2022 | By Clifford Rossi


U.S. Securities Industry Gets Behind Plan to Curtail Settlement Risk

Robinhood and other brokerages restricted trading last January in GameStop and other so-called meme stocks when they faced significant capital calls by Depository Trust & Clearing Corp.’s National...

December 3, 2021 | By John Hintze


The Archegos Collapse: Not Just a Family Office Affair

Was the downfall in March of Archegos Capital Management a case of financial-crisis dÉjÀ vu? It conjured up memories of past panics, notably the 1998 collapse of Long-Term Capital Management and,...

May 28, 2021 | By L.A. Winokur


Perspectives on the Banking Dilemma in India: A Q&A with Vivek Kaul

Bad loans and deteriorating asset quality continue to plague banks in India. Last September, the gross non-performing assets ratio (GNPA) at Indian banks stood at 7.5%, but that number potentially...

March 5, 2021 | By Nupur Pavan Bang


The U.S. Treasuries Clearing Challenge: Finding the Right Incentives

The unprecedented trading volume and volatility spikes in the U.S. Treasuries market in March, in response to the COVID-19 pandemic, rekindled an ongoing discussion around the ideal market structure...

November 25, 2020 | By Murray Pozmanter


Defaults, Delinquencies and Credit Losses: The Potential Impact of Rising Hurricanes on Mortgage Risk

As we enter the peak of one the busiest US North Atlantic hurricane seasons in history, now is the time to reflect on the prospective effects of hurricanes on a major asset class of many financial...

September 11, 2020 | By Clifford Rossi


Why the 3 Credit Reporting Companies Are Still Standing

It has been almost two years since the massive Equifax data breach came to light. In the aftermath, the CEOs of the three major credit reporting companies (CRCs) - Equifax, Experian and TransUnion -...

August 30, 2019 | By Frank Tian


Diving Deeper Into CECL: The Best Strategy for Forecasting Expected Credit Losses

As the implementation deadline for the Current Expected Credit Loss (CECL) accounting standard nears, financial institutions are now feeling the compliance heat. However, calculating future losses is...

August 23, 2019 | By Alla Gil


FASB Plans Further Hedge Accounting Adjustments

Reviews of the Financial Accounting Standards Board's recent hedge accounting changes have been highly favorable, and they're likely to become even more so should additional changes, soon to be...

June 28, 2019 | By John Hintze


How to Leverage CECL to Improve Operations

As the December 2019 deadline for the Current Expected Credit Loss (CECL) standard draws nearer, financial institutions need to think beyond compliance. Meeting all the rules for the new accounting...

April 12, 2019 | By Varun Agarwal


CCPs and the Risk of Concentration

Post-financial-crisis mandates for central clearing of derivatives have had the intended effect. Cleared U.S. interest rate derivatives volume, for example, exceeded 88% in 2018, according to the...

April 5, 2019 | By Jeffrey Kutler


A Novel Approach to the European CRE Credit Risk Dilemma

In an ideal world, we would develop CRE credit risk models using a complete data set representing loans from commercial banks, insurance companies, asset managers and CMBS. However, CRE loan-level...

February 2, 2019 | By Eric Bao and Sumit Grover

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