Financial Services

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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...

December 18, 2008 by Guest Contributor

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

December 15, 2008 by Keir Breitenfeld

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

December 15, 2008 by Guest Contributor

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

December 8, 2008 by Guest Contributor

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

December 5, 2008 by Guest Contributor

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...

December 2, 2008 by Keir Breitenfeld

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...

November 20, 2008 by Keir Breitenfeld

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...

November 18, 2008 by Keir Breitenfeld

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...

November 18, 2008 by Guest Contributor

One of the more significant operational concerns around Red Flags compliance centers on the management of resultant referral volumes, i.e., the potential that the...

November 11, 2008 by Keir Breitenfeld

Whenever an industry encounters problems, the natural tendency is to play the blame game.  In the banking industry, credit risk managers are looking for...

November 11, 2008 by Guest Contributor

By: Tom Hannagan In my last post, I addressed the need for banks to advance their management of risk to include the relationship between capital...

November 11, 2008 by Guest Contributor

By: Tom Hannagan Much of the blame for the credit disaster of 2007 and 2008 has been laid at the risk management desks of...

November 7, 2008 by Guest Contributor

For those of us that have been following the Red Flag Rules adoption for more than a year now, the recent arrival and passing...

November 7, 2008 by Keir Breitenfeld

We know that financial institutions are tightening their credit standards for lending.  But we don’t necessarily know exactly how financial institutions are addressing portfolio risk...

November 7, 2008 by Guest Contributor