New: Streamlining Sessions for Affiliation...

By: Dana Wilkes, Senior Affiliation Manager Since most of the country continues to be under stay-at-home orders due to the COVID-19 pandemic, The Affiliation Program team has been working diligently to bring new complimentary online sessions to our…

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Thinking of Moving to Electronic...

By: Denise Dukette, Director Loan Review Services With current events leading to increased remote work/telecommuting, many financial institutions that have not yet converted their credit and other files from paper to electronic are considering making the change.  There…

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Hot Off the Presses –...

By Rhonda Coggins, CRCM, National Compliance Services Director Amidst all of the recent regulatory issuances providing guidance during the COVID-19 pandemic, compliance stakeholders likely saw the CFPB’s April 1st issuance.  In the Bureau’s communication, they provide guidance on credit…

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Do You Need Assistance With...

By: David Etter, Managing Director – Loan Review Services Your Commercial Loan portfolio may require additional monitoring and/or credit administration attention to address the effects of the unprecedented impact on our economy from COVID-19, and Bennington Parters/SCS may…

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An Abusive Act or Practice:...

By:  Rhonda Coggins, CRCM, National Compliance Services Director While compliance stakeholders have several different regulations to juggle, they also need to be on the lookout for acts or practices that are unfair, deceptive or abusive.  As those concepts of UDAAP…

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Expanding Beyond the Traditional DSCR...

By: David Etter, Managing Director- Loan Review Services Most Bankers are very comfortable with the use of a Debt Service Coverage Ratio (“DSCR”) when evaluating a CRE transaction. Simple enough – is the cash flow as calculated sufficient…

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Rebranding the Compensation Committee

By: Dana Wilkes, Senior Affiliation Manager Sheshunoff Consulting + Solutions Editor’s Note:  In this month’s newsletter, we are pleased to share a recent article written by one of our CEO Affiliation Program facilitators, Alan J. Kaplan of Kaplan…

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Community Reinvestment Act Defining a...

By: Edward R. Milhorn, Compliance Consulting Director The OCC’s advanced notice of proposed rulemaking (“ANPR”) issued in August 2019 indicated that the updated approach to Community Reinvestment Act (“CRA”) performance evaluations “could include updated metrics that take into…

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High Volatility Commercial Real Estate

By Denise Dukette, Director Loan Review Services Regulatory guidance on HVCRE was initiated in 2013 as part of Basel III risk-weighted capital rules and applies to banking organizations which file Call Reports. HVCRE was defined in Call Report…

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Fresh Feedback on Fair Lending

By: Rhonda Coggins, CRCM, National Compliance Services Director Compliance stakeholders always seem to have a strong focus on regulatory changes ahead of them. It’s an important part of staying ahead of the curve to ensure you’ve taken steps…

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