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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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    An Assessment of the American Housing and Economic Mobility Act of 2021

    Low-income and minority households are struggling to make their rent and mortgage payments, suffering through increasingly long commutes, and unable to take better jobs because they cannot afford housing near the available work. The American Housing and Economic Mobility Act would help to address these problems.

    April 22, 2021 Pdf Mark Zandi
    News

    OCC Issues Booklet on Allowances for Credit Losses

    OCC issued the new “Allowances for Credit Losses” booklet as part of the Comptroller's Handbook.

    April 15, 2021 WebPage Regulatory News
    News

    OSFI Proposes to Enhance Assurance Expectations for Basel Returns

    OSFI launched a consultation to explore ways to enhance the OSFI assurance over capital, leverage, and liquidity returns for banks and insurers, given the increasing complexity arising from the evolving regulatory reporting framework due to IFRS 17 (Insurance Contracts) standard and Basel III reforms.

    April 13, 2021 WebPage Regulatory News
    News

    OSFI Consults on Minimum Qualifying Rate for Uninsured Mortgages

    OSFI is proposing new minimum qualifying rate for uninsured mortgages under the Guideline B-20.

    April 13, 2021 WebPage Regulatory News
    News

    OSFI Issues Letter on ICAAP Submission and Internal Audit of BCAR

    OSFI issued a letter to confirm that a formal Internal Capital Adequacy Assessment Process (ICAAP) submission is not required in 2021.

    April 12, 2021 WebPage Regulatory News
    News

    US Agencies on Model Risk Management for BSA/AML Compliance by Banks

    FHFA issued Orders to Fannie Mae and Freddie Mac (the Enterprises), along with the summary instructions and guidance, with respect to the stress test reporting as of December 31, 2020.

    April 09, 2021 WebPage Regulatory News
    News

    FED Proposes to Automate Bank Stock Adjustment Using Call Report Data

    FED published a proposal to automate non-merger-related adjustments to member banks' subscriptions to Federal Reserve Bank capital stock.

    April 08, 2021 WebPage Regulatory News
    Webinar-on-Demand

    The Post-COVID CRE World – Has the Apocalypse Been Cancelled?

    Join us for the third webinar in our series: Moody's Analytics & Raymond James in Conversation where we will discuss the outlook for commercial real estate and its impact on banking/lending.

    April 2021 WebPage Dr. Victor Calanog, Robby Holditch
    News

    OSFI Unwinds Temporary Increase to Covered Bond Limit for Banks

    OSFI issued a letter to the deposit-taking institutions issuing covered bonds and announced the unwinding of the temporary increase to the covered bond limit for deposit-taking institutions, effective immediately.

    April 06, 2021 WebPage Regulatory News
    News

    OCC Proposes to Revise Stress Test Report and Instructions for Banks

    OCC had proposed, on January 28, 2021, to revise regulatory reporting requirements for the company-run annual Dodd-Frank Act Stress Test (DFAST) reporting template and instructions for covered institutions with consolidated assets of USD 250 billion or more; it is now seeking comment on the final version of those revisions.

    April 04, 2021 WebPage Regulatory News
    News

    AMF Reinstates Market Risk Multiplier, Issues Guideline on Governance

    AMF announced that, effective May 01, 2021, the concerned financial institutions must return to using the stress Value at Risk (sVAR) multiplier of 3.

    April 01, 2021 WebPage Regulatory News
    News

    FED Updates Forms for FR Y-9C and FR Y-14Q Reporting

    FED updated the reporting form FR Y-9C on consolidated financial statements for holding companies, along with the reporting form and instructions for the FR Y-14Q data collection on capital assessments and stress testing.

    March 31, 2021 WebPage Regulatory News
    News

    FED Issues FAQs on Legal Interpretations for Six Banking Regulations

    FED published sets of the frequently asked questions (FAQs) in response to clarification requests for the existing legal interpretations for the six longstanding regulations of FED.

    March 31, 2021 WebPage Regulatory News
    Article

    Overcoming the Nation's Daunting Housing Supply Shortage

    Policymakers must tackle a host of challenges outside the traditional reach of housing policy—in trade, immigration, education, taxes and even municipal decision-making.

    March 2021 Pdf Mark Zandi
    News

    US Agencies Seek Input on Use of Artificial Intelligence by Firms

    US Agencies (CFPB, FDIC, FED, NCUA, and OCC) are seeking input on the use of artificial intelligence by financial institutions.

    March 29, 2021 WebPage Regulatory News

    U.S. Wholesale Used-Vehicle Price Report: 2021Q1

    U.S. used-vehicle prices declined in the final quarter of 2020 after an unprecedented runup that began in May.

    March 29, 2021 Pdf Moody's Analytics
    News

    FDIC Clarifies RPP Reporting Solutions to be Voluntary for Banks

    FDIC published a letter for supervised financial institutions to provide information and clarification on the Rapid Phased Prototyping, or RPP, initiative of FDIC.

    March 26, 2021 WebPage Regulatory News
    News

    FED Issues Update on Bank Dividend and Share Repurchase Restrictions

    FED announced that the temporary and additional restrictions that are in place on bank holding company dividends and share repurchases will end for most firms after June 30, 2021 after completion of the current round of stress tests.

    March 25, 2021 WebPage Regulatory News
    Webinar-on-Demand

    Canadian Consumer Credit Outlook: Recovery Interrupted

    Join us as we discuss the current and anticipated trends for Canadian household credit conditions based on data from Equifax and Moody's Analytics macro and regional economic forecasts.

    March 2021 WebPage James Partridge, David Fieldhouse
    News

    FED Proposes to Revise Complex Institution Liquidity Monitoring Report

    FED proposed to revise and extend, for three years, the Complex Institution Liquidity Monitoring Report (FR 2052a) for banks.

    March 24, 2021 WebPage Regulatory News
    News

    FED Committees to Address Micro- and Macro-Prudential Climate Risks

    FED recently created the Supervision Climate Committee, or SCC, for micro-prudential policy work and the Financial Stability Climate Committee, or FSCC, for macro-prudential policy work to address climate-related risks.

    March 23, 2021 WebPage Regulatory News
    News

    US Agencies Amend Capital Rule to Facilitate Emergency Investment

    US Agencies (FDIC, FED, and OCC) issued an interim final rule to revise the capital rules to allow investments of the U.S. Treasury, under the Emergency Capital Investment Program (ECIP), to qualify as regulatory capital.

    March 22, 2021 WebPage Regulatory News
    News

    US Agencies Notify Supplementary Leverage Ratio Changes to Expire Soon

    US Agencies (FDIC, FED and OCC) announced that the temporary changes to the supplementary leverage ratio, or SLR, for depository institutions will expire as scheduled on March 31, 2021.

    March 19, 2021 WebPage Regulatory News
    Article

    How US Banks Are Addressing Climate Risk and Sustainability

    This report offers our observations on key stakeholder climate reporting expectations, financial institution climate reporting approaches, and recommendations on how these can be facilitated within the US banking sector.

    March 2021 WebPage Michael Denton , Jeffrey Perrella
    News

    CFTC Sets Up Climate Risk Unit to Accelerate Engagement in ESG Space

    The CFTC Acting Chair Rostin Behnam announced the establishment of the Climate Risk Unit (CRU) to support the CFTC mission by focusing on the role of derivatives in understanding, pricing, and addressing climate-related risk and transitioning to a low-carbon economy.

    March 17, 2021 WebPage Regulatory News
    News

    OSFI to Revert to Pre-Pandemic SVaR Multiplier for Market Risk Capital

    OSFI announced the unwinding of regulatory adjustments to the market risk capital requirements for banks, effective May 01, 2021.

    March 16, 2021 WebPage Regulatory News
    Whitepaper

    Custom Markets Methodology Overview

    Explore our Custom Markets model methodology for commercial and multifamily properties within the Moody's Analytics REIS database.

    March 2021 Pdf
    News

    SEC Seeks Input on Climate Disclosures, Sets Out ESG Approach

    In a recent statement from the acting SEC chair, public input is being requested on climate change disclosures, with the aim to inform the policy in this area.

    March 15, 2021 WebPage Regulatory News
    News

    FDIC to Explore Opportunities to Leverage Big Data for Banking Sector

    In line with an increasing focus on the application of financial technology, FDIC, along with the University of Santa Clara, plans to host a series of public webinars to explore the opportunities and challenges in leveraging big data for the banking sector.

    March 15, 2021 WebPage Regulatory News
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