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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

    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

    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
    News

    FED and OCC Release Stress Test Scenarios for 2023

    The U.S. Federal Reserve Bank (FED) and the Office of the Comptroller of the Currency (OCC) released the stress test scenarios for 2023.

    February 09, 2023 WebPage Regulatory News
    News

    US Treasury Assesses Adoption of Cloud Services in Financial Sector

    The U.S. Department of the Treasury published a report on the potential benefits and challenges associated with the increasing trend of financial sector firms adopting cloud services technology.

    February 08, 2023 WebPage Regulatory News
    News

    FED Issues Policy on Treatment of Novel Aspects by State Member Banks

    The Board of Governors of the Federal Reserve System (FED) approved the application of Bank of Montreal (Canada) and BMO Financial Corp (of Delaware, US) to acquire BancWest Holding Inc and thereby indirectly acquire the Bank of the West, both of San Francisco, California.

    February 07, 2023 WebPage Regulatory News
    Whitepaper

    Economic Shocks Impact on Mortgage Credit Loss Modeling

    Economic Shocks Impact on Mortgage Credit Loss Modeling

    February 2023 WebPage Kyle Hillman , Bahar Kartalciklar
    News

    OSFI Updates NCCF Returns, Consults on Mortgage Underwriting Guideline

    The Office of the Superintendent of Financial Institutions (OSFI) updated the Financial Information Committee (FIC) regulatory forms and instructions for the Net Cumulative Cash Flow or NCCF (Form 660).

    February 03, 2023 WebPage Regulatory News
    News

    SEC Proposes Securitization Rule; OCC Issues Other Regulatory Updates

    The Securities and Exchange Commission (SEC) proposed a rule to prohibit the conflicts of interest in certain securitizations.

    February 01, 2023 WebPage Regulatory News
    News

    CFPB Director Raises Concern on Bigtechs, Digital Assets & Hedge Funds

    The Director of the Consumer Financial Protection Bureau (CFPB) issued a statement expressing concerns on the increasing reliance of financial sector on bigtech cloud service providers

    January 26, 2023 WebPage Regulatory News
    Article

    Increased Uncertainty for Auto Leases

    Increased Uncertainty for Auto Leases

    January 2023 WebPage Arman Mkhitaryan, David Fieldhouse
    Article

    Debt Limit Brinkmanship (Again)

    Odds that lawmakers blunder either out of intent or ineptness are uncomfortably high

    January 2023 Pdf Mark Zandi
    News

    FED Issues Further Details on Pilot Climate Scenario Analysis Exercise

    The U.S. Federal Reserve Board (FED) set out details of the pilot climate scenario analysis exercise to be conducted among the six largest U.S. bank holding companies.

    January 17, 2023 WebPage Regulatory News
    Article

    Are the RSA and Diffie-Hellman cryptosystems under threat sooner than previously thought?

    Are the RSA and Diffie-Hellman cryptosystems under threat sooner than previously thought?

    January 2023 WebPage Garcia-Gutíerrez Ricardo, Carmen Recio-Valcarce, Romeo Radanyi, Sergio Gago Huerta
    News

    FASB Issues Taxonomies for 2023, Defers Reference Rate Reform Guidance

    The Financial Accounting Standards Board (FASB) announced availability of the 2023 GAAP Financial Reporting Taxonomy, the 2023 SEC Reporting Taxonomy, and the 2023 Data Quality Committee (DQC) Rules Taxonomy.

    January 05, 2023 WebPage Regulatory News
    News

    US Agencies Issue Statement on Crypto-Asset Risks for Banks

    The Board of Governors of the Federal Reserve System (FED), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) (hereafter, the agencies) issued a joint statement on crypto-asset risks to banking organizations.

    January 05, 2023 WebPage Regulatory News
    News

    US Agencies Issue Several Regulatory and Reporting Updates

    The Board of Governors of the Federal Reserve System (FED) adopted the final rule on Adjustable Interest Rate (LIBOR) Act.

    January 04, 2023 WebPage Regulatory News
    Article

    Slowcession

    Recession is a serious threat. But the Moody's Analytics baseline forecast—the most-likely outlook—holds that the economy will avoid a downturn. Call it a slowcession.

    January 2023 Pdf Mark Zandi
    News

    AMF Updates Liquidity Adequacy Guideline for Banks

    Autorité des marchés financiers (AMF) of Quebec, Canada, updated the liquidity adequacy guidelines, which has an effective date of January 1, 2023.

    December 26, 2022 WebPage Regulatory News
    News

    CMF Sets Out Workplan for Implementation of Fintech Law

    The Commission for the Financial Market (CMF) in Chile has set out its workplan for implementation of the Fintech Law as well as extended the consultation period, until December 31, 2022, on the standardized methodology for calculating loan provisions.

    December 22, 2022 WebPage Regulatory News
    News

    US Treasury Publishes Reports on Third-Party Risk, Other Updates

    The US Treasury announced that the G7 Cyber Expert Group (CEG) released two reports addressing ransomware and third-party risk in the financial sector.

    December 16, 2022 WebPage Regulatory News
    News

    OSFI Sets D-SIB Buffer, Issues Update on Operational Resilience

    The Office of the Superintendent of Financial Institutions (OSFI) recently set the Domestic Stability Buffer (DSB) for banks at 3%, with effective date of February 01, 2023, and announced that the minimum qualifying rate (MQR).

    December 15, 2022 WebPage Regulatory News

    Maintaining Resilience in a Rising Rates Environment

    Addressing ALM uncertainties during inflection points in the business cycle

    December 15, 2022 WebPage Laurent Birade, Scott Dietz, Jerry Clark, Ben Thomasson
    Article

    Maintaining Resilience in a Rising Rates Environment

    Addressing ALM uncertainties during inflection points in the business cycle

    December 2022 WebPage Laurent Birade, Scott Dietz, Jerry Clark, Ben Thomasson
    News

    FED Proposes Principles for Climate Risk Management at Large Banks

    The Federal Reserve Board (FED) proposed principles that would provide a high-level framework for the safe and sound management of exposures to climate-related financial risks for large banking organizations with more than USD 100 billion in total assets.

    December 08, 2022 WebPage Regulatory News
    News

    US Agencies Issue Updates on Reporting, Resolution Planning, and TDR

    The Board of Governors of the Federal Reserve System (FED) finalized and adopted the proposal to extend, without revision, the systemic risk report (FR Y-15) and is seeking comments, until January 23, 2023.

    December 05, 2022 WebPage Regulatory News
    News

    CFPB Director Questions Resolvability of Eight Largest Banks

    The Consumer Financial Protection Bureau (CFPB) Director, Rohit Chopra issued a statement expressing his opinion on the resolution plans, or living wills, submitted by the eight largest domestic banks.

    November 22, 2022 WebPage Regulatory News
    News

    AMF Issues Guide to Credit Assessment Agents, Mulls Climate Disclosure

    AMF, the financial regulator of Quebec, published the guideline on sound commercial practices and is seeking comments, until December 16, 2022,

    November 17, 2022 WebPage Regulatory News
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