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We get the following question quite a bit: Would the regulators expect to see a log of detected activity and resulting mitigation? Short answer:...

Published: December 5, 2008 by Keir Breitenfeld

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...

Published: December 2, 2008 by Keir Breitenfeld

It is the time of year during which budgets are either in the works or have been completed.  Typically, when preparing budgets, we project...

Published: December 2, 2008 by Guest Contributor

By: Tom Hannagan In several posts we’ve discussed financial risk management, the role of risk-based capital, measuring profitability based on risk characteristics and the...

Published: December 2, 2008 by Guest Contributor

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...

Published: November 20, 2008 by Keir Breitenfeld

The pendulum has definitely swung back in favor of the credit discipline within financial institutions. The free wheeling credit standards of the past have...

Published: November 19, 2008 by Guest Contributor

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...

Published: 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...

Published: November 18, 2008 by Guest Contributor

Just as with diet recommendations, moderation needs to be the new motto for credit risk management.  Diets provide for the occasional bag of chips...

Published: November 13, 2008 by Guest Contributor

By: Tom Hannagan The problem in the 2005 to 2007 home lending frenzy was not just granting credit to anyone who applied. It was...

Published: November 13, 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...

Published: 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...

Published: 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...

Published: 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...

Published: 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...

Published: November 7, 2008 by Keir Breitenfeld

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