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The FHFA's New Vision: A Wonderful Life for the Federal Home Loan Banks?

Dec 15, 2023 | Earlier this year, during the regional banking crisis, the banks in the Federal Home Loan Bank ...

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The Commercial Real Estate Dilemma and Its Impact on Bank Risk Management

Jul 14, 2023 | Now more than ever, banks need to bolster their commercial real estate (CRE) risk management ...

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Multiple Credit Scores in Mortgage Lending: Understanding the Risks

Aug 26, 2022 | Expanding access to credit for millions of consumers with limited or no credit experience has been ...

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Credit Access and Risk: A Balancing Act

Apr 8, 2022 | The Federal Housing Finance Agency (FHFA) is considering changes to how government-sponsored ...

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

Sep 11, 2020 | As we enter the peak of one the busiest US North Atlantic hurricane seasons in history, now is the ...

Trending Articles

Credit Risk Measurement: Alternatives for PD-LGD-EAD on the Horizon?

Even after 40 years, the PD-LGD-EAD framework is still going strong – but models with more power and greater predictive accuracy are lurking. Though...

Friday, February 7, 2025

Stress Testing: A Practical Guide

Banks and regulators remain committed to stress testing. What are the different types of tests and approaches, and what elements are necessary to...

Friday, January 31, 2020

Probability of Default: How to Pass the Jeffreys Test and Improve Predictive Ability

To back-test PD and meet the European Central Bank's validation requirements for measurement of defaults, many banks use a predictive ability tool...

Friday, September 18, 2020

IFRS 9 and Probability of Default: A Web of Confusion

The proper calculation of probability of default is crucial for European banks that need to comply with IRFS 9, the forward-looking financial...

Friday, April 11, 2025

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How to Prevent Another Crisis: Mitigating the Risk of Nonbank Mortgage Lenders and Servicers

May 9, 2019 | During the financial crisis, hundreds of nonbank mortgage lenders and servicers went bankrupt. In ...

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Mortgage Risk: Why We Should Eliminate the Debt-to-Income Ratio Limit

Apr 18, 2019 | The Qualified Mortgage (QM) rule is a good example of well‐intended but poorly designed policy. QM ...

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How to Reduce Risk from Credit Reporting Companies

Mar 15, 2019 | The recent Congressional hearings on U.S. credit reporting companies (CRCs) put the spotlight again ...

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