Financial Services

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Common questions about Red Flags Rule...

I have heard this question posed and you may be asking yourselves: Why are referral volumes (the potential that the account origination or maintenance...

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Question of the Day-Red Flags Deadline Approaching...

What is your greatest concern as the May 1, 2009 enforcement date approaches for all guidelines in the Identity Theft Red Flags...

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Risk Adjusted Loan Pricing – The Major Parts...

By: Tom Hannagan I have referred to risk-adjusted commercial loan pricing (or the lack of it) in previous posts. At times, I’ve commented on...

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Knowledge-Based Authentication for Reconciliation...

I’ve talked (sorry, blogged) previously about taking a risk-based approach to reconciling initial Red Flag Rule conditions in your applications, transactions, or accounts. In...

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Be Sure to Read the Fine Print!!!...

Hello Red Flaggers! I’m still getting some questions from our clients these days around the FTC enforcement extension. My concern is that there seems...

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Bank Profit Results in the Face of Credit Risk Costs t...

By: Tom Hannagan Here’s a further review of results from the Uniform Bank Performance Reports, courtesy of the FDIC, through the third quarter of...

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Bank Lending and Credit Risk Results through September...

By: Tom Hannagan I reviewed the Uniform Bank Performance Reports (UBPR: (http://www2.fdic.gov/ubpr/ReportTypes.asp ) for selected clients through the third quarter of this year. The...

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Now is the time to ensure that your organization is ei...

We continue to receive inquiries from our clients, and the market in general, around whether they are required to comply with the Red Flag...

Read More Now is the time to ensure that your organization is either covered or not.
Strategic Execution...

We have talked about: the creation of the vision for our loan portfolios (current state versus future state) – e.g. the strategy for moving...

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Strategies for managing an investment portfolio...

In my last blog, I talked about the overall need for a vision for your loan portfolio and the similarity of a loan portfolio...

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ROE vs ROA...

By: Tom Hannagan I was hoping someone would ask about this. Return on Equity (ROE) is generally net income divided by equity, while Return...

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It’s Been a Month Already? Time to Start Looking Ahea...

The Federal Trade Commission (FTC) suspended enforcement of the new Red Flag Rule until May 1, 2009. According to the FTC’s Enforcement Policy, “…during...

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Stop guessing: Identity Theft Prevention Programs Req...

I’m working with many of our clients in reviewing their existing or evolving Red Flags Identity Theft Prevention Programs. While the majority of them...

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Hey Experian, what is your Red Flag solution called?...

As someone heavily engaged with the market and our clients discussing Red Flag Rule compliance, Red Flag guidelines, etc…this question has come up over...

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Risk Mitigation versus Balance Sheet Chicanery...

By: Tom Hannagan In previous posts, we’ve dealt with the role of risk-based capital, measuring performance based on risk characteristics and the need for...

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