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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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    News

    OSFI Issues Results of Pilot on Climate Risk Scenario Analysis

    The Office of the Superintendent of Financial Institutions (OSFI) published an update on the discussion paper that intended to engage federally regulated financial institutions and other interested stakeholders in a dialog with OSFI, to proactively enhance and align assurance expectations over key regulatory returns.

    January 20, 2022 WebPage Regulatory News
    News

    US Agencies Issue Regulatory Updates, FDIC Launches Tech Sprint

    The Board of Governors of the Federal Reserve System (FED) published the final rule that amends Regulation I to reduce the quarterly reporting burden for member banks by automating the application process for adjusting their subscriptions to the Federal Reserve Bank capital stock, except in the context of mergers.

    January 13, 2022 WebPage Regulatory News
    Article

    Hitting Ground Floor: The Global Ramifications of a China Debt Crisis

    This paper considers the consequences of a property market collapse in China for the Chinese and global economies, with a special focus on Southeast Asia and emerging markets.

    January 2022 Pdf Jesse Rogers, Steven Cochrane
    Article

    The Storm Ahead for Mortgage Default Models

    Natural disasters create victims, and some of these victims may be unable or unwilling to continue paying their mortgages. These events often lead to a spike in defaults and put billions in mortgage balances at risk of being lost. We quantitatively assess the risk these events can have on a portfolio.

    January 2022 Pdf David Fieldhouse, Pouyan Mashayekh, Ziv Rubin
    Article

    Time to Heal

    Omicron is substantially more contagious than previous variants of the virus that causes COVID-19, and even if it is much less virulent, it is already doing significant economic damage.

    January 2022 Pdf Mark Zandi
    News

    US Agencies Issue Statement on Community Bank Leverage Ratio Framework

    The U.S. Department of the Treasury issued a determination on a request for an exemption, by RBC US Group Holdings LLC, from certain requirements of the rule implementing the qualified financial contracts (QFC) recordkeeping requirements under the Dodd-Frank Act.

    January 04, 2022 WebPage Regulatory News
    News

    US Agencies Publish Regulatory Updates in December 2021

    The Federal Deposit Insurance Corporation (FDIC) published its Quarterly Banking Profile for the third quarter of 2021.

    December 23, 2021 WebPage Regulatory News
    News

    OSFI on Use of Standardized Approach for Operational Risk Capital

    The Office of the Superintendent of Financial Institutions (OSFI) recently confirmed that the minimum qualifying rate for uninsured mortgages will remain the greater of the mortgage contract rate plus 2.00% or 5.25%.

    December 20, 2021 WebPage Regulatory News
    News

    FED Updates FR Y-14 Reporting Forms, Approves Bank Acquisition Requests

    The Board of Governors of the Federal Reserve System (FED) updated the form and instructions for the annual capital assessments and stress testing report (FR Y-14A), along with the reporting instructions for the quarterly data collection FR Y-14Q.

    December 17, 2021 WebPage Regulatory News
    News

    OCC Assesses Risk Environment, Revises HMDA Examination Procedures

    The Office of the Comptroller of the Currency (OCC) published the Semiannual Risk Perspective for Fall 2021. The report covers risks facing national banks and federal savings associations based on data as of June 30, 2021.

    December 17, 2021 WebPage Regulatory News
    News

    IASB Proposes to Update IFRS Taxonomy; FASB Issues Taxonomies for 2022

    The International Accounting Standards Board (IASB) is proposing changes to the IFRS Taxonomy 2021 to reflect changes made from amendment to the transition requirements in IFRS 17 on insurance contracts, which was issued in December 2021.

    December 17, 2021 WebPage Regulatory News
    News

    OCC Consults on Principles for Climate Risk Management for Large Banks

    The Office of the Comptroller of the Currency (OCC) is requesting feedback on the draft principles designed to support identification and management of climate-related financial risks at the OCC-regulated institutions with more than USD 100 billion in total consolidated assets.

    December 16, 2021 WebPage Regulatory News
    Whitepaper

    Market Forces are Requiring a Better Approach to Pricing

    In this paper, our experts discuss how your institution can use relationship-based pricing to overcome current challenges and achieve long-term profit and growth.

    December 2021 WebPage
    News

    OSFI Sets D-SIB Buffer, to Consult on Operational Resilience Aspects

    The Office of the Superintendent of Financial Institutions (OSFI) announced its decision to maintain the Stability Buffer for domestic systemically important banks (D-SIBs) at 2.50% of total risk-weighted assets, as calculated under the Capital Adequacy Requirements (CAR) Guideline.

    December 10, 2021 WebPage Regulatory News
    News

    CFPB Amends Regulation Z to Facilitate LIBOR Transition

    The Consumer Financial Protection Bureau (CFPB) is amending Regulation Z, which implements the Truth in Lending Act (TILA), to address the anticipated sunset of LIBOR, which is expected to be discontinued for most USD tenors in June 2023.

    December 10, 2021 WebPage Regulatory News
    News

    FED, PRA, and FCA Set Out Expectations for Risk Management at Banks

    The Prudential Regulation Authority (PRA) published a Direction for modification by consent on the treatment of assets representing claims on the European Economic Area central governments.

    December 10, 2021 WebPage Regulatory News
    News

    FED Revises FR Y-9C; SEC Consults on Reporting for Securities Lending

    The Board of Governors of the Federal Reserve System (FED) is adopting a proposal to revise and extend, for three years, the forms on financial statements for holding companies (FR Y-9 reports).

    December 08, 2021 WebPage Regulatory News
    News

    FFIEC Updates BSA/AML Manual; OCC to Further Its Work on Climate Risk

    FFIEC updated the Bank Secrecy Act/Anti-Money Laundering (BSA/AML) Examination Manual, which provides instructions to examiners for assessing the adequacy of a bank's or credit union's BSA/AML compliance program and its compliance with BSA regulatory requirements.

    December 03, 2021 WebPage Regulatory News
    News

    BIS and US to Collaborate on Regtech; FSI Studies Use of Suptech Tools

    To advance a strategic partnership with the Bank for International Settlements (BIS) Innovation Hub, the Federal Reserve Bank of New York (NY FED) launched the New York Innovation Center (NYIC).

    December 02, 2021 WebPage Regulatory News
    News

    FED Revises Complex Institution Liquidity Monitoring Report for Banks

    The Board of Governors of the Federal Reserve System (FED) is adopting a proposal to revise and extend for three years the Complex Institution Liquidity Monitoring Report (FR 2052a) for banks.

    December 01, 2021 WebPage Regulatory News
    News

    OSFI Releases Annual Report 2021-2022

    The Office of the Superintendent of Financial Institutions (OSFI) released the annual report for 2020-2021.

    November 29, 2021 WebPage Regulatory News
    News

    OSFI Updates Timeline for Implementation of Certain Basel Rules

    Through a letter addressed to the banking sector entities, the Office of the Superintendent of Financial Institutions (OSFI) announced deferral of the domestic implementation of the final Basel III reforms from the first to the second quarter of 2023.

    November 29, 2021 WebPage Regulatory News
    News

    AMF Issues Statements on Leverage Ratio, AI, and Credit Assessment

    The Autorité des marchés financiers (or AMF, which is a financial regulator for Quebec, Canada) published a report on recommendations for use of artificial intelligence (AI) and announced the expiration of the leverage ratio measure that was extended in November 2020 in light of the COVID-19 turbulence.

    November 26, 2021 WebPage Regulatory News
    News

    FED Outlines Lending Conditions and Supervisory Activities in H1 2021

    The Board of Governors of the Federal Reserve System (FED) published a report that summarizes banking conditions in the United States, along with the supervisory and regulatory activities of FED.

    November 24, 2021 WebPage Regulatory News
    News

    FASB Proposes Improvements to Credit Losses Standard

    The Financial Accounting Standards Board (FASB) is consulting on an Accounting Standards Update and the associated taxonomy improvements for requirements on troubled debt restructurings and vintage disclosures under the credit losses standard (for financial instruments) topic 326.

    November 23, 2021 WebPage Regulatory News
    News

    US Agencies Issue Statement on Crypto-Asset Policy Initiatives

    US Agencies issued a statement that summarizes the work undertaken during the interagency policy sprints focused on crypto-assets and provides a roadmap of future work related to crypto-assets.

    November 23, 2021 WebPage Regulatory News
    News

    CFTC Seeks Comments on Swap Clearing Requirements for IBOR Transition

    The Commodity Futures Trading Commission (CFTC) is seeking comments on how it could amend the swap clearing requirement to address the cessation of certain interbank offered rates (IBORs) used as benchmark reference rates and the market adoption of alternative reference rates.

    November 23, 2021 WebPage Regulatory News
    News

    US Agencies Finalize Rule on Security Incident Reporting

    US Agencies decided to terminate the temporary supervisory and enforcement flexibility that was announced for the mortgage servicing rule in April 2020, amid the COVID-19 pandemic.

    November 18, 2021 WebPage Regulatory News
    Article

    Here's when high inflation will come to an end

    The Delta variant of the virus hit us hard this fall, costing more lives and doing more economic damage, this time by igniting long-dormant inflation.

    November 2021 Pdf Mark Zandi
    News

    US Treasury Report Outlines Regulatory Framework for Stablecoins

    The U.S. Department of the Treasury issued capital program implementation guidance for the State Small Business Credit Initiative (SSBCI) Program.

    November 10, 2021 WebPage Regulatory News
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