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…

Read more

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…

Read more

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…

Read more

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…

Read more

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…

Read more

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…

Read more

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…

Read more

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…

Read more

A Look Back at 2019:...

By Dana Wilkes, Senior Affiliation Manager Season after season, one of our most popular Affiliation Program sessions is the High Performance Idea Exchange, which gives our members the opportunity to do just that – exchange innovative ideas with…

Read more

Sneak Peek: Spring 2020 Session...

By: Dana Wilkes, Senior Affiliation Manager Even though the fall Affiliation Program meetings just wrapped up at the beginning of this month, preparations are already well underway for the spring sessions. Detailed session topic descriptions will be posted on…

Read more