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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

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

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

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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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