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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 ...

CRO Outlook

ARTICLE

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 ...

ARTICLE

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 ...

ARTICLE

Credit Access and Risk: A Balancing Act

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

ARTICLE

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

How Generative AI Will Disrupt Credit Risk Modeling

Improved coding of PD, LGD and EAD models is one of the potential benefits of this innovative technology. How does this work, and what else can...

Friday, September 1, 2023

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

Stress Testing in 2024: Analyzing the Fed’s Newly Released Scenarios

The Federal Reserve this year requires banks to consider exploratory scenarios that factor in deposit runs and funding liquidity problems, among...

Friday, March 1, 2024

Probability of Default: The Pluses and Minuses of Transition Matrices

To forecast potential changes in portfolio probability of default, credit risk professionals often rely on transition matrices that don't tell the...

Friday, August 13, 2021

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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 ...

CRO Outlook

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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 ...

ARTICLE

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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