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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 ...

ARTICLE


A Proactive, Integrated Approach to Capital Planning

Apr 26, 2019 | More than a decade after the financial crisis, senior managers of financial institutions face two ...

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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 Leverage CECL to Improve Operations

Apr 12, 2019 | As the December 2019 deadline for the Current Expected Credit Loss (CECL) standard draws nearer, ...

ARTICLE


CCPs and the Risk of Concentration

Apr 5, 2019 | Post-financial-crisis mandates for central clearing of derivatives have had the intended effect. ...

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

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

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

The Hidden Risks of Private Credit – and How to Spot Them

The private credit market has exploded in size and emerged as a vital source of capital for companies overlooked by traditional banks. Yet beneath...

Friday, October 17, 2025

ARTICLE


Finding a CECL Solution for Smaller Banks

Apr 5, 2019 | Smaller lending institutions face a dilemma. The primary motivation behind the Current Expected ...

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 ...

ARTICLE


Commercial Lending Imbalances and the Looming Recession

Mar 8, 2019 | Stress testing, up until now, has basically been a theoretical exercise. Growth has been slow but ...

ARTICLE


The Next Time Bomb: All Eyes on Debt

Feb 25, 2019 | Amid a generally healthy run of economic indicators, the conversation at the American Enterprise ...



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