This edition of S&R Perspectives covers risk management at community banks, supervisory upgrades and enforcement actions, interest rate risk, and more.
Welcome to the fall 2012 edition of S&R Perspectives.
This article reinforces existing supervisory guidance and expectations and discusses the most commonly cited examination issues related to the management of credit, liquidity, market, operational, and legal and reputational risks.
SR 12-4 was issued on March 1, 2012, to address supervisory rating upgrades. This article provides a brief overview of the SR letter, with examples of implementation of the principals; highlights key institution-based enforcement tools used by the Federal Reserve System, noting key factors used in selecting an action; and provides insight on how enforcement actions are evaluated and adjusted as progress is made by an institution.
Two years after the Dodd-Frank Act was signed, the law has resulted in new responsibilities for the Richmond Fed’s Supervision, Regulation and Credit (SRC) department. In this article, we take a look at how the legislation aimed at blunting the impact of future financial stresses has affected some of the work across SRC, as well as what’s ahead.
This article shares some thoughts and observations that you should consider from a liquidity and contingency funding planning perspective as well as from a balance sheet management and interest rate risk viewpoint.
If you saw “SAR Wars” on the agenda of the BSA Coalition Anti-Money Laundering Conference, you might have wondered what the former Fairfax County detective Steve Gurdak was going to discuss.
This section highlights examiner insights and sound practices gained from examinations of community banks within the Fifth Federal Reserve District.
Supervision, Regulation & Credit