Supervisory Insights - Winter 2015 - PDF
Letter from the Director
Articles
A Framework for Cybersecurity
Due to the increase in number and sophistication of cyber threats, cybersecurity has become a critical issue facing the financial services sector. This article discusses the cyber threat landscape and how financial institutions’ information security programs can be enhanced to address evolving cybersecurity risks. The article concludes with a discussion of actions taken by the federal banking agencies in response to the increase in cyber threats.
Marketplace Lending
Some banks are finding the small, but growing arena of marketplace lending to be an attractive source of revenue. This article provides an overview of the marketplace lending model and the associated risks, including those that arise in third-party arrangements. The article also highlights the importance of a pragmatic business strategy and offers resources for bank boards of directors and management teams to consider when engaging in marketplace lending activity.
Lending Viewpoint: Results from the FDIC’s Credit and Consumer Products/Services Survey
Prudent loan risk selection and close monitoring of the lending portfolio remain critical components of a well-managed bank. Therefore, FDIC examiners continue to carefully assess lending and the related risks during the post-crisis rebound in lending. This article describes recent lending conditions and risks as reported through the Credit and Consumer Products/Services Survey.
Regular Features
Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and other items of interest.
Supervisory Insights
Supervisory Insights is published by the Division of Supervision and Consumer Protection of the Federal Deposit Insurance Corporation to promote sound principles and best practices for bank supervision.
Martin J. Gruenberg
Chairman, FDIC
Doreen R. Eberley
Director, Division of Risk Management Supervision
Journal Executive Board
Division of Risk Management
Supervision
George E. French, Deputy
Director and Executive Editor
James C. Watkins, Senior Deputy Director
Brent D. Hoyer, Deputy Director
Mark S. Moylan, Deputy Director
Melinda West, Deputy Director
Division of Depositor and Consumer
Protection
Sylvia H. Plunkett, Senior Deputy Director
Jonathan N. Miller, Deputy Director
Regional Directors
Michael J. Dean. Atlanta Region
Kristie K. Elmquist, Dallas Region
Stan R. Ivie, San Francisco Region
James D. La Pierre, Kansas City Region
M. Anthony Lowe, Chicago Region
John F. Vogel, New York Region
Journal Staff
Kim E. Lowry
Managing Editor
Michael S. Beshara
Financial Writer
Scott M. Jertberg
Financial Writer
Supervisory Insights is available online by visiting the FDIC’s website at www.fdic.gov. To provide comments or suggestions for future articles, to request permission to reprint individual articles, or to request print copies, send an e-mail to SupervisoryJournal@fdic.gov.
The views expressed in Supervisory Insights are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. In particular, articles should not be construed as definitive regulatory or supervisory guidance. Some of the information used in the preparation of this publication was obtained from publicly available sources that are considered reliable. However, the use of this information does not constitute an endorsement of its accuracy by the Federal Deposit Insurance Corporation.