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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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    Buy Now, Pay Later... Hopefully

    Recently, Buy Now, Pay Later (BNPL) services have emerged as a viable alternative to traditional credit. However, new regulations and weaker than expected performance in this space highlight the risk of this debt for both consumers and lenders.

    June 2022 WebPage Timothy Daigle , David Fieldhouse, Reginald White
    News

    US Senate Members Seek Details on SEC Proposed Climate Disclosure Rule

    Certain members of the U.S. Senate Committee on Banking, Housing, and Urban Affairs issued a letter to the Securities and Exchange Commission (SEC)

    June 16, 2022 WebPage Regulatory News
    News

    OCC Publishes Testimony of Deputy Comptroller on AI

    The Office of the Comptroller of the Currency (OCC) published testimony of Kevin Greenfield, the Deputy Comptroller for Operational Risk Policy, on artificial intelligence.

    June 10, 2022 WebPage Regulatory News
    News

    US Agency Issues Paper on Lending; GAO Issues Recommendations for FED

    The U.S. Government Accountability Office (GAO) published a report that outlines three priority open recommendations for the Board of Governors of the Federal Reserve System (FED), as of May 2022.

    June 10, 2022 WebPage Regulatory News
    News

    OSFI to Amend Guideline on Technology and Cyber Risk Management

    The Office of the Superintendent of Financial Institutions (OSFI) published, in the form of a letter, its response to the feedback received on the draft Guideline B-13 on technology and cyber risk management.

    June 09, 2022 WebPage Regulatory News
    News

    CFTC Issues Request for Information on Climate-Related Financial Risk

    The Commodity Futures Trading Commission (CFTC) released a request for information and is seeking comments, until August 8, 2022, to better inform the oversight of climate-related financial risk as pertinent to the derivatives markets and the underlying commodities markets.

    June 08, 2022 WebPage Regulatory News
    News

    OCC to Renew Information Collections on Market Risk & Cyber Risk Tool

    The Office of the Comptroller of the Currency (OCC) is seeking, until June 30, 2022, comments on the renewal of the information collection on the market risk capital rule.

    May 31, 2022 WebPage Regulatory News
    News

    CFPB Circular Sets Out Actions for Creditors Using Complex Algorithms

    The Consumer Financial Protection Bureau (CFPB) launched a new Office of Competition and Innovation, published a circular on adverse action notification requirements for credit decisions based on complex algorithms

    May 26, 2022 WebPage Regulatory News
    News

    OSFI to Require Full Climate Risk Disclosures by 2027

    The Office of the Superintendent of Financial Institutions (OSFI) in Canada is consulting, until August 19, 2022, on the guideline on climate risk management (Guideline B-15) for federally regulated financial institutions and pension plans

    May 26, 2022 WebPage Regulatory News
    News

    SEC Proposes to Enhance Disclosures of ESG Investment Practices

    The U.S. Securities and Exchange Commission (SEC) proposed amendments to rules and disclosure forms to promote consistent, comparable, and reliable information for investors concerning funds' and advisers' incorporation of environmental, social, and governance (ESG) factors.

    May 25, 2022 WebPage Regulatory News
    News

    NCUA Issues Letter to Credit Unions on Use of DLT Technology

    The National Credit Union Administration (NCUA) published a letter that clarifies certain expectations for federally insured credit unions contemplating the use of new or emerging distributed ledger technologies, or DLT, to transform their traditional financial operations and services.

    May 25, 2022 WebPage Regulatory News
    News

    US Agencies Seek Input on Liquidity Risk, Lev Lending & Digital Assets

    The Office of the Comptroller of the Currency (OCC) published Federal Register notices seeking comments on the renewal of information collections titled “Funding and Liquidity Risk Management” and “Leveraged Lending.”

    May 23, 2022 WebPage Regulatory News
    News

    OSFI Proposes Revisions to Guideline on Model Risk Management

    The Office of the Superintendent of Financial Institutions (OSFI) in Canada is seeking comments, until June 30, 2022, on the proposed revisions to the Guideline E-23

    May 20, 2022 WebPage Regulatory News
    News

    OSFI Discusses Benchmark Rate Transition, Sets Out Work Priorities

    The Office of the Superintendent of Financial Institutions (OSFI) published the strategic plan for 2022-2025 and the departmental plan for 2022-23.

    May 17, 2022 WebPage Regulatory News
    News

    CFTC Proposes Swap Clearing Rule to Address Benchmark Rate Transition

    The Commodity Futures Trading Commission (CFTC) proposed a rule to modify the interest rate swap clearing requirements tied to the London Interbank Offered Rate (LIBOR) and other interbank offered rates

    May 09, 2022 WebPage Regulatory News
    News

    US Agency Publications Address Basel, Reporting, and CECL Developments

    The Farm Credit Administration published, in the Federal Register, the final rule on implementation of the Current Expected Credit Losses (CECL) methodology for allowances

    May 09, 2022 WebPage Regulatory News
    News

    SEC Extends Comment Period on Climate Risk Disclosures

    The U.S. Securities and Exchange Commission (SEC) looks set to intensify focus on crypto-assets and cyber risk and extended the comment period on the proposed rules to enhance and standardize climate-related disclosures for investors.

    May 09, 2022 WebPage Regulatory News
    News

    CFPB Publishes 2021 Annual Fair Lending Report

    The Consumer Financial Protection Bureau (CFPB) published the annual fair lending report for 2021, highlighting its future focus areas and the COVID-19 recovery.

    May 06, 2022 WebPage Regulatory News
    News

    AMF Publishes Annual Statement of Priorities for 2022-2023

    AMF, the financial regulator of Quebec, sets out key initiatives in the 2022-2023 annual statement of priorities, which forms a part of the implementation of the AMF's 2021-2025 Strategic Plan.

    May 02, 2022 WebPage Regulatory News
    News

    OSFI Proposes Third-Party Risk Guideline and Publishes Risk Outlook

    The Office of the Superintendent of Financial Institutions (OSFI) published its annual risk outlook for 2022-23 and seeks comments, until July 27, 2022, on the revised guideline on third-party risk management.

    April 27, 2022 WebPage Regulatory News
    News

    OCC Issues Recommendations on Stablecoins and Other Regulatory Updates

    The Office of the Comptroller of the Currency (OCC) finalized a rule on exemptions to suspicious activity report (SAR) requirements, issued an order against Anchorage Bank, and published a statement on standards for stablecoins.

    April 27, 2022 WebPage Regulatory News
    News

    CFPB to Tighten Noose on Nonbank Fintech Firms

    The Consumer Financial Protection Bureau (CFPB) published a report on the financial challenges faced by Americans in rural communities

    April 25, 2022 WebPage Regulatory News
    Article

    Macroeconomic Consequences of Pandemic-Related Global Supply-Chain Disruptions

    Global supply chains have been badly scrambled since just after the COVID-19 pandemic struck more than two years ago.

    April 2022 Pdf Mark Zandi
    Article

    How Fannie and Freddie Can Use Pricing to Expand Affordable Homeownership

    Fannie Mae and Freddie Mac were created by Congress to provide a liquid secondary mortgage market to broaden access to homeownership.

    April 2022 Pdf Mark Zandi
    News

    FASB Proposes Updates to Reference Rate Reform Guidance

    The Financial Accounting Standards Board (FASB) published a proposed accounting standard update that would defer the sunset date of the reference rate reform guidance (Topic 848)

    April 20, 2022 WebPage Regulatory News

    The Final Mile: Addressing 3 Challenges on the Road to CECL Implementation

    This article will help you understand the scope of work and documentation required in your CECL journey based on our experience working with over 150 institutions on CECL implementations.

    April 11, 2022 WebPage
    News

    OCC Publishes Multiple Updates for Financial Sector Entities

    The Office of the Comptroller of the Currency (OCC) published its Community Developments Investments newsletter, finalized a rule amending its suspicious activity report (SAR) regulations

    April 08, 2022 WebPage Regulatory News
    News

    FDIC Updates on Crypto Asset Supervision and Digital ID Tech Sprint

    The Federal Deposit Insurance Corporation (FDIC) issued a letter to set out guidance on activities related to crypto assets and announced, jointly with the Financial Crimes Enforcement Network (FinCEN), the three teams selected in the Digital Identity (ID) Tech Sprint.

    April 07, 2022 WebPage Regulatory News
    News

    OSFI Revises Guideline on IFRS 9

    The Office of the Superintendent of Financial Institutions (OSFI) revised the guideline on the Financial Instruments and Disclosures standard IFRS 9, with the revised guideline coming into effect on January 01, 2023.

    April 04, 2022 WebPage Regulatory News
    News

    FDIC Publishes Draft Principles on Climate-Related Financial Risks

    The Federal Deposit Insurance Corporation (FDIC) is consulting on the statement on principles for the management of climate risk by large financial institutions, with comment period ending on June 3, 2022.

    April 04, 2022 WebPage Regulatory News
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