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    NORTH AMERICA | Moody’s Analytics offers advanced analytical tools and software to help North American companies effectively measure, monitor, and manage risk across the organization.

    By providing leading-edge software, advisory services, and research, including proprietary analysis from Moody’s Investors Service, Moody’s Analytics can help you address your most complex business challenges. From regulatory compliance to the credit risk assessment of your portfolios, we offer end-to-end solutions to help you achieve sustainable results.

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    BCBS Assesses NSFR and Large Exposures Rules in US

    The Basel Committee on Banking Supervision (BCBS) published reports that assessed the overall implementation of the net stable funding ratio (NSFR) and the large exposures rules in the U.S.

    September 14, 2023 WebPage Regulatory News
    Article

    Is the Party Over for Highly Leveraged Seasonal Retailers?

    Party City Holdco Inc., the parent company of the popular party goods retailer Party City, filed for Chapter 11 bankruptcy in January 2023. The company joined a slew of retailers that have been struggling in the past year, including Bed Bath & Beyond, Stitch Fix, Carvana, and GameStop.

    August 2023 WebPage Suneil Parimoo, Anamaria Pieschacon
    Article

    Unraveling the Hidden Risks Behind Jenny Craig's Default

    While Jenny Craig has struggled for several years, there was little indication in the financial media that bankruptcy was imminent. However, the EDF-X early warning system flagged Jenny Craig as a watchlist candidate with high credit risk more than four years ago.

    August 2023 WebPage Kyle Hillman, Suneil Parimoo, Anamaria Pieschacon
    News

    US Proposes Final Basel Rules, Transition Period to Start in July 2025

    The U.S. banking agencies (FDIC, FED, and OCC) recently proposed rules implementing the final Basel III reforms, also known as the Basel III Endgame.

    August 04, 2023 WebPage Regulatory News
    News

    OSFI to Review Liquidity Adequacy Guidelines and Policy Architecture

    The Office of the Superintendent of Financial Institutions (OSFI) is consulting, until June 21, 2023, on a review of the liquidity treatment provided in the Liquidity Adequacy Requirements (LAR) Guideline for wholesale funding sources with retail-like characteristics.

    May 30, 2023 WebPage Regulatory News
    News

    FED Announces Multiple Regulatory Updates for Banks

    The Board of Governors of the Federal Reserve System (FED) published results from the review of the supervision and regulation of Silicon Valley Bank

    May 22, 2023 WebPage Regulatory News
    News

    US Agencies Make Various Announcements for Banking Sector

    The U.S. Small Business Administration (SBA) issued a notification regarding the application process for new small business lending companies (SBLC) licenses.

    May 22, 2023 WebPage Regulatory News
    News

    CFPB Consults on Interim Final Rule to Facilitate LIBOR Transition

    The Consumer Financial Protection Bureau (CFPB) is seeking comments, until June 12, 2023, on an interim final rule that amends the 2021 LIBOR transition final rule to facilitate orderly wind-down of LIBOR.

    May 11, 2023 WebPage Regulatory News
    Article

    Debt Limit Scenario Update

    The Treasury debt limit drama is fast approaching its finale. Congress and the Biden administration have no more than a month before the Treasury runs out of enough cash to pay all of the government's bills on time. Here, we update our analysis of two alternative scenarios that bookend the economic impact if lawmakers do not act in time and there is a breach of the limit.

    May 2023 Pdf Mark Zandi, Adam Kamins, Bernard Yaros
    News

    OSFI Amends Pillar 3 Disclosure Guidelines, Issues Other Updates

    The Office of the Superintendent of Financial Institutions (OSFI) is seeking comments, until June 27, 2023, on draft amendments to the Pillar 3 disclosure guidelines for domestic systemically important banks (D-SIBs)

    April 28, 2023 WebPage Regulatory News
    News

    FSOC Consults on Analytic Framework for Financial Stability Risks

    The Financial Stability Oversight Council seeks comments on proposed analytic framework that sets forth the proposed approach to identifying, assessing, and responding to certain potential risks to the U.S. financial stability.

    April 28, 2023 WebPage Regulatory News
    News

    US Agencies Issue Updates on Reporting and LIBOR Transition

    The Board of Governors of the Federal Reserve System (FED) and the Federal Deposit Insurance Corporation (FDIC) issued reporting updates for banks.

    April 26, 2023 WebPage Regulatory News
    Article

    The Debt Limit Drama Heats Up

    The political drama over the Treasury debt limit is suddenly heating up.

    April 2023 Pdf Mark Zandi, Bernard Yaros
    News

    OSFI Finalizes Third-Party Risk Guideline and Publishes Risk Outlook

    The Office of the Superintendent of Financial Institutions (OSFI) published its final guideline on third-party risk management. OSFI also published its annual risk outlook for 2023-24, along with a new framework to strengthen the federally regulated financial institutions' ability to withstand sophisticated cyber-attacks.

    April 24, 2023 WebPage Regulatory News
    News

    NCUA Assesses Credit Union Exposure to Climate-Related Physical Risks

    The National Credit Union Administration (NCUA) released a Research Note that examines the exposure of credit unions to climate-related physical risks. In a related development

    April 21, 2023 WebPage Regulatory News
    Whitepaper

    Canada Housing Market Outlook: More Struggles Ahead

    Canada Housing Market Outlook: More Struggles Ahead

    April 2023 WebPage Brendan LaCerda, Abhilasha Singh, Sebastian Mintah, George Pinel
    News

    NY FED Releases Two Staff Reports on Climate-Related Risks

    The Federal Reserve Bank of New York (NY FED) released two staff reports on climate-related risks for financial institutions.

    April 11, 2023 WebPage Regulatory News
    Article

    What if the Banking Crisis Is Not Over?

    The recent collapse of Silicon Valley Bank precipitated a sudden loss of confidence in the banking system, prompting bank runs, and forcing the U.S. government to provide extraordinary support to the system.

    April 2023 Pdf Mark Zandi, Cristian deRitis, Dr. Martin A. Wurm, Bernard Yaros
    News

    CFPB Finalizes Rule on Small Business Lending Data Collection

    The Consumer Financial Protection Bureau (CFPB) published a final rule that sets out data collection requirements on small business lending, under section 1071 of the Dodd-Frank Act.

    March 30, 2023 WebPage Regulatory News
    Article

    Fiscal State of the Union

    Fiscal policy since the COVID-19 pandemic hit three years ago has been critical in supporting the U.S. economy's quick and full revival.

    March 2023 Pdf Mark Zandi
    News

    CFPB Reviews Mortgage Loan Originator Rules, Issues Other Updates

    The Consumer Financial Protection Bureau (CFPB) is seeking comments, until May 01, 2023, on the economic impact of the mortgage loan originator rules on small mortgage companies.

    March 28, 2023 WebPage Regulatory News
    News

    BCB Issues Rules on IRB Approaches for Credit Risk and ICAAP

    The Central Bank of Brazil (BCB) published a rule on the calculation of capital requirements under the internal ratings-based (IRB) approach for credit risk

    March 23, 2023 WebPage Regulatory News
    News

    FASB Proposes Standard on Accounting and Disclosure of Crypto-Assets

    The Financial Accounting Standards Board (FASB) announced that the U.S. Securities and Exchange Commission (SEC) has accepted the 2023 GAAP Financial Reporting Taxonomy, the 2023 SEC Reporting Taxonomy

    March 23, 2023 WebPage Regulatory News
    News

    US Agencies Issue Updates on Resolution of SVB and Signature Bank

    US Agencies released multiple statements, including a joint statement that sets out recommendations for FDIC to complete the resolution of Silicon Valley Bank and Signature Bank

    March 20, 2023 WebPage Regulatory News
    Article

    Financial System Shaken, Not Rattled

    Recent U.S. bank failures are disconcerting to watch, but they are not symptomatic of a serious broader problem in the financial system; policymakers' aggressive response should ensure the failures do not weaken the system or the fragile economy.

    March 2023 Pdf Mark Zandi
    Article

    Credit Cards Enter Choppy Waters

    Balances and delinquencies will rise quickly for all borrowers.

    March 2023 WebPage David Fieldhouse, Alex Hedgren
    News

    US Congress Report Examines Data Privacy and Cybersecurity Regulations

    The U.S. Congressional Research Service published a report on banking, data privacy, and cybersecurity regulation.

    March 13, 2023 WebPage Regulatory News
    News

    OSFI Finalizes on Climate Risk Guideline, Issues Other Updates

    The Office of the Superintendent of Financial Institutions (OSFI) is seeking comments, until May 31, 2023, on the draft guideline on culture and behavior risk, with final guideline expected by the end of 2023.

    March 12, 2023 WebPage Regulatory News
    Article

    Going Down the Debt Limit Rabbit Hole

    The U.S. Treasury is quickly approaching the X-date—the day it will not have enough cash to pay all of the federal government's bills on time.

    March 2023 Pdf Mark Zandi
    Article

    The Impact of Climate Change on U.S. Subnational Economies

    The Impact of Climate Change on U.S. Subnational Economies

    February 2023 WebPage Adam Kamins
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