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What's up
  • [ November 26, 2025 ] Latest Beige Book reports mixed economic activity, but little changed from last month The Fed
  • [ November 26, 2025 ] OCC sets schedule for CRA exams in first half of ‘26 OCC
  • [ November 25, 2025 ] Banking agencies revise leverage capital requirements for largest banks FDIC
  • [ November 25, 2025 ] Lower community bank leverage ratio proposed; agencies cite more flexibility, ‘optionality’ FDIC
  • [ November 25, 2025 ] FDIC bumps independent audit reporting threshold to $1 billion; more FDIC
Homerisk perspective

risk perspective

OCC

Credit risk on rise, operational risk remains elevated for banks as consumers face challenges, report contends

June 19, 2024 0

Credit risk is rising and operational risk is elevated, as a “maturing economic cycle may cause consumer headwinds,” the regulator of national banks said Tuesday. In its Semiannual Risk Perspective for Spring 2024, the Office […]

No Picture
OCC

Interest rate increases taking toll on bank investment portfolios, stands as key risk ahead

December 9, 2022 0

Rising interest rates have adversely affected bank investment portfolios, making the increases among the top risk issues facing the industry, according to a report issued by the national bank regulator Thursday. The Office of the […]

OCC

Feeble demand for loans, low profitability indicator, drag bank performance agency reports

December 6, 2021 0

Weak loan demand and low net interest margins (NIM) continue to weigh on performance of national banks, their federal regulator said Monday, punctuated by higher operational and compliance risks. In its Semiannual Risk Perspective for […]

OCC

‘Credit risk’ gets top billing in ‘risk perspective’ issued by national bank regulator

November 9, 2020 0

Credit risk is the top “emerging risk” listed by the regulator of national banks in its semi-annual report issued Monday on threats to the banking industry. According to its Semiannual Risk Perspective for Fall 2020 […]

OCC

Latest national bank ‘risk perspective’ to be unveiled next week

November 4, 2020 0

Risks facing national banks in the last quarter of 2020 (and going into 2021) will be outlined Nov. 9 by the federal regulator of the institutions in a press conference, the agency said Wednesday. In […]

OCC

Report: Cybersecurity threats raise operational risk at banks as they act to adapt to changing technology

December 9, 2019 0

Operational risk, elevated among banks as they adapt to changing technology needed to counter cybersecurity threats, is among the hazards facing the banking industry, the regulator of national banks said Monday in its semiannual report […]

Today

  • Latest Beige Book reports mixed economic activity, but little changed from last month

    November 26, 2025 0
    Reports of loan demand across the Federal Reserve’s 12 districts were “mixed,” although some reported an ongoing recovery in the office real estate market, according to the latest Beige Book released Wednesday. The Fed’s semi-monthly summary of commentary on current [...]
  • OCC sets schedule for CRA exams in first half of ‘26

    November 26, 2025 0
    About 130 banks are scheduled to receive their anti-redlining compliance exams in the first and second quarters of next year, the national bank regulator said Wednesday. According to the Office of the Comptroller of the Currency (OCC), the largest groups [...]
  • Banking agencies revise leverage capital requirements for largest banks

    November 25, 2025 0
    A final rule easing leverage capital requirements for the largest and most systemically important banking organizations was announced Tuesday by federal regulators and is set to take effect April 1, 2026. Institutions are free to adopt the changes as of [...]
  • Lower community bank leverage ratio proposed; agencies cite more flexibility, ‘optionality’

    November 25, 2025 0
    Lowering from 9% to 8% the “community bank” leverage ratio (CBLR) in capital requirements was proposed by all three federal bank regulatory agencies Tuesday, which also proposed a longer period for the banks to achieve compliance with the new level. [...]
  • FDIC bumps independent audit reporting threshold to $1 billion; more

    November 25, 2025 0
    As of Jan. 1, banks with less than $1 billion in consolidated assets will no longer be required to provide federal regulators with annual reports of independent audit findings, according to a final rule announced Tuesday. That threshold is up [...]
  • FDIC releases public sections of informational filings for resolution plans by six large banks

    November 25, 2025 0
    “Informational filings”– which provide details for their rapid and orderly resolution in the event of bankruptcy or other insolvencies – for six large banking companies were published Tuesday by the federal bank deposit insurance agency. The filings were from Zions [...]
  • CFPB consumer advisory panel to hold first 2025 meeting Dec. 10, small dollar products on tap

    November 24, 2025 0
    The federal consumer financial protection agency’s Consumer Advisory Board (CAB) is slated to hold its first open meeting of the year Dec. 10, according to a notice in Monday’s Federal Register. That meeting will include, among other things, discussion of [...]
  • Dana Wade named FDIC deputy to the chairman and chief of staff

    November 24, 2025 0
    The board of the federal bank deposit insurance agency has approved Dana T. Wade to be deputy to the chairman and chief of staff, the agency said in a release Monday. Wade will serve as advisor to Federal Deposit Insurance [...]
  • Citing ‘low level of money laundering,’ agency eases up on requirements for community banks

    November 24, 2025 0
    So-called national “community banks” received some easing of anti-money laundering (AML) requirements under a bulletin issued Monday by their federal regulator. Separately, the Office of the Comptroller of the Currency (OCC) also issued a request for information (RFI) which it [...]

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