CLOUDecision
October 14, 2016
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
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
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 […]
December 12, 2016
Currently, banks with over $10 billion in assets are required by the FDIC to complete stress testing. If you are part of a community bank or credit union, there are still many benefits to voluntary stress testing. Data suggests that as much as 40% of banks and credit unions already […]
January 10, 2017
Legislation from the Supervisory Capital Assessment Program were enacted in good faith as a way to decrease financial instability in the market. As you are aware, the regulatory efforts have made it considerably harder for local banks and credit unions to operate efficiently.
January 23, 2017
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 […]