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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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    Article

    The Macroeconomic Cost of Climate Inaction

    Rising global temperatures caused by increasing greenhouse gas pollution pose substantial risks to the global economy.

    November 2022 Pdf Bernard Yaros, Chris Lafakis, Mark Zandi
    News

    OSFI Sets Out Work Priorities and Reporting Updates for Banks

    The Office of the Superintendent of Financial Institutions (OSFI) published an annual report on its activities, a report on forward-looking work.

    November 07, 2022 WebPage Regulatory News

    Canada Housing Market Outlook Chill in the Air Surging Interest Rates and the Housing Markets Coming Lull

    The combination of increased borrowing costs, elevated inflation, and a softening labour market spells the end for the housing boom.

    October 25, 2022 Pdf Abhilasha Singh
    Article

    Holiday Prep: Can Home Furnishers Outshine Increasing Credit Risk?

    Using forward-looking credit risk signals and actionable insights from the Early Warning System in the EDF-X solution, we capture the earliest signs of credit deterioration for Bed Bath & Beyond beginning in October 2018.

    October 2022 WebPage David Hamilton, David Fieldhouse, Ryan Donahue
    Whitepaper

    Canada Housing Market Outlook: Chill in the Air: Surging Interest Rates and the Housing Market's Coming Lull

    Canada Housing Market Outlook: Chill in the Air: Surging Interest Rates and the Housing Market's Coming Lull

    October 2022 WebPage Abhilasha Singh
    News

    US Authorities to Address Climate Risks and Digital Asset Risks

    The Financial Stability Oversight Council (FSOC) released a report on digital asset financial stability risks and regulation as well as announced the establishment of the Climate-Related Financial Risk Advisory Committee (CFRAC).

    October 18, 2022 WebPage Regulatory News
    Article

    Decode ESG Risk. Unlock Opportunity

    Environmental, social and governance (ESG) is a huge and emerging risk area for financial institutions. A common taxonomy and level of understanding around risk areas are essential for an effective enterprise-wide risk control and reporting framework.

    October 2022 WebPage Tim Handley
    Whitepaper

    Stress-Testing States: Looking Toward the Next Recession

    Stress-Testing States: Looking Toward the Next Recession

    October 2022 WebPage Emily Mandel, Haley Curtin, Bridget Ryan
    News

    FED Announces Launch of Climate Scenario Analysis Exercise in 2023

    The Board of Governors of the Federal Reserve System (FED) announced a pilot climate scenario analysis exercise for six largest banks in the U.S.

    September 29, 2022 WebPage Regulatory News
    News

    FED Seeks Comments on Commercial Real Estate Loan Accomodations

    The Board of Governors of the Federal Reserve System (FED) is seeking comments, until November 14, 2022, on a proposed policy statement for prudent commercial real estate loan accommodations and workouts.

    September 27, 2022 WebPage Regulatory News
    Article

    Playing a Dangerous Game With the Debt Limit

    Treasury has been using its available cash to pay its bills, but by mid- to late October those funds will be exhausted. Someone would not get paid in a timely way.

    September 2022 Pdf Mark Zandi, Bernard Yaros
    News

    US Senator Calls on Ratings Firms to Provide Information on ESG Scores

    In the recent letters to 12 ESG ratings firms, the U.S. Senator Pat Toomey, who is a ranking member of the U.S. Senate Committee on Banking, Housing, and Urban Affairs.

    September 21, 2022 WebPage Regulatory News
    News

    BCBS to Finalize Crypto Rules by End-2022; US to Propose Basel 3 Rules

    The Basel Committee on Banking Supervision met, shortly after a gathering of the Group of Central Bank Governors and Heads of Supervision (GHOS), the oversight body of BCBS.

    September 15, 2022 WebPage Regulatory News
    News

    OCC Publishes Strategic Plan for 2023-27, Issues Other Updates

    The Office of the Comptroller of the Currency (OCC) published the remarks of Acting Comptroller of the Currency Michael J.

    September 12, 2022 WebPage Regulatory News
    News

    FDIC-FinCEN Conclude Digital Identity Tech Sprint, Publish Takeaways

    The Federal Deposit Insurance Corporation (FDIC) and the Financial Crimes Enforcement Network (FinCEN) concluded the Digital Identity Tech Sprint and published its key takeaways.

    September 09, 2022 WebPage Regulatory News
    News

    FED Revises FR Y-9C Report; OCC to Renew Collection on Mortgage Loans

    The Board of Governors of the Federal Reserve System (FED) is adopting a proposal to revise the FR Y-9C report in context of an updated accounting standard addressing the last-of-layer hedging.

    September 08, 2022 WebPage Regulatory News
    News

    FASB Proposes SEC Reporting Taxonomy and DQC Rules Reporting Taxonomy

    The Financial Accounting Standards Board (FASB) proposed technical and other conforming improvements for 2022 SEC Reporting Taxonomy.

    September 06, 2022 WebPage Regulatory News
    News

    CFTC Issues Rule on IBOR Swaps, Extends RFI for Climate Risk

    The Commodity Futures Trading Commission (CFTC) finalized a rule modifying the interest rate swap clearing requirements and extended, from August 08, 2022 to October 07, 2022, the comment period on a Request for Information (RFI) on climate-related financial risks.

    August 24, 2022 WebPage Regulatory News
    News

    US Agencies Issue Updates on FR Y-14 and FFIEC 102 Reports

    The Board of Governors of the Federal Reserve System (FED) adopted a proposal for the stress testing reports FR Y-14A/Q/M, in addition to which certain US Agencies had been seeking comments, until August 24, 2022.

    August 24, 2022 WebPage Regulatory News
    News

    OSFI Issues Guidance on Capital & Liquidity Treatment of Cryptoassets

    The Office of the Superintendent of Financial Institutions (OSFI) extended the comment period for the revised guidelines on third-party risk and climate risk management (Guidelines B-10 and B-15, respectively).

    August 18, 2022 WebPage Regulatory News
    News

    FED Issues Letter to Banks Engaging in Crypto Asset Activities

    The Board of Governors of the Federal Reserve System (FED) published a supervisory letter that outlines the steps Board-supervised banks should take prior to engaging in crypto-asset-related activities.

    August 16, 2022 WebPage Regulatory News
    News

    US Agencies Issue Updates on Crypto Companies and Bank Accounting

    The Federal Deposit Insurance Corporation (FDIC) published the financial institution letter that contains an advisory to the FDIC institutions regarding deposit insurance and dealings with crypto companies.

    August 15, 2022 WebPage Regulatory News
    News

    US Agencies Proposal on Commercial Real Estate Loan Accommodations

    The Commodity Futures Trading Commission (CFTC) is seeking comments, until October 07, 2022, on an application, from the Financial Services Agency of Japan (JFSA), for capital comparability determination.

    August 08, 2022 WebPage Regulatory News
    News

    FED Announces Individual Capital Requirements for Large Banks

    Following the stress test results in June 2022, the Board of Governors of the Federal Reserve System (FED) announced the individual capital requirements for 34 large banks, with the requirements coming into effect on October 01, 2022.

    August 04, 2022 WebPage Regulatory News
    Article

    Assessing the Macroeconomic Consequences of the Inflation Reduction Act of 2022

    Lawmakers appear close to passing into law the Inflation Reduction Act of 2022.

    August 2022 Pdf Mark Zandi, Bernard Yaros, Chris Lafakis
    News

    US Agencies Issue Proposals on LIBOR Act and Debt Restructuring

    The Board of Governors of the Federal Reserve System (FED) is inviting comments on a proposed regulation that would implement the Adjustable Interest Rate (LIBOR) Act.

    July 28, 2022 WebPage Regulatory News
    News

    OFR Launches Pilot of Climate Data and Analytics Hub

    The Financial Stability Oversight Council (FSOC) outlined the progress on the recommendations set forth in the October 2021 report on climate-related financial risks while the Office of Financial Research (OFR) announced the launch of its Climate Data and Analytics Hub pilot program.

    July 28, 2022 WebPage Regulatory News
    Article

    CECL Benchmark Q1 2022

    A framework to understand the extent of your allowance (updated for Q1 2022)

    July 2022 WebPage Laurent Birade, Scott Dietz, Phillip Lai
    Article

    Positioning Firms for Resilient Financial Performance

    This article looks at how firms can position for resilient financial performance in any rate scenario, and covers topics such as interest rate risk, CECL, and hedging.

    July 2022 WebPage Scott Dietz, Chris Stanley
    News

    OSFI Updates Address BCAR Reporting, Basel Reforms, and Cyber Risk

    The Office of the Superintendent of Financial Institutions (OSFI) updated the 2023 Basel Capital Adequacy Reporting (BCAR) manual as well as the 2023 BCAR return.

    July 15, 2022 WebPage Regulatory News
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