banking regulations

October 14, 2016

Regulatory Changes and What It Means for Community Banks

Now more than ever, banks must demonstrate compliance with regulatory requirements for commercial lending. While big banks may have sophisticated software and the budget to easily handle changes, small banks often struggle to adapt to new regulations with old software. If your bank or credit union is experiencing difficulty keeping […]
October 19, 2016
Remaining Compliant with CLOUDecision Cloud-based Software

How Community Banks Can Maintain Compliance Costs with Today’s Cloud-based software

New banking regulations are driving up the operation costs for banks of all sizes. While it’s easier for big banks to purchase new data tools to remain compliant, small banks and credit unions feel the pinch of making these investments. Many are forced to reduce their offerings just to remain […]
November 16, 2016
Stress Testing for Community Banks - CLOUDecision

Prepare Now: FDIC Stress Testing Requirements Affecting Community Banks

Since the 2008 financial crisis, the FDIC has mandated that banks holding over $10 billion in assets must have robust stress-testing practices in place to prove they are prepared for risk. The stress-testing requirement has started to trickle down to banks with fewer than $10 billion in holdings. If your […]
November 30, 2016
Stress Testing - Cloudecision

Quality of Risk Management: Risk Reporting, Management and Compliance

FDIC stress testing regulations affect banks that hold over $10 billion in assets. Yet if you think your community bank is immune from having to put stress-testing measures in place since you hold fewer than $10 billion in assets, think again. The reality is that stress testing is critical for […]
January 23, 2017
Effective CRE Risk Management and Compliance for Lending Institutions | CLOUDecision

Effective CRE Risk Management and Compliance for Lending Institutions

The OCC stresses that a solid commercial real estate (CRE) lending program must have sufficient levels of available capital as well as sound risk management standards. While individual loans carry an inherent risk, CREs expose financial institutions to an additional burden. Once it has been determined that such a risk […]
February 6, 2017
CCAR Compliance for Financial Institutions

Effective CCAR Compliance for Today’s Financial Institutions

Financial institutions are inundated with existing loan data generated across numerous platforms. While the historical tendency to create silos was reinforced by IT systems already in place to serve individual departments, changes in the Comprehensive Capital Analysis and Review (CCAR) have highlighted the difficulties associated with such an approach.