Supervisory Insights

This FDIC publication provides a forum for discussing how bank regulation and policy are put into practice in the field, sharing best practices, and communicating about the emerging issues that bank supervisors are facing.

PDF Help

Supervisory Insights
Issue	Articles in this Issue
Fall 2019 - PDF	Commercial Real Estate Loan Concentration Risk Management - PDF Leveraged Lending: Evolution, Growth and Heightened Risk - PDF
Winter 2018 - PDF	Transitions in Financial Instrument Reference Rates - PDF
Summer 2018 - PDF	Oil Price Volatility and Bank Performance: A View from the Supervisory Process - PDF Credit Risk Grading Systems: Observations from a Horizontal Assessment - PDF
Winter 2017 - PDF	Credit Management Information Systems: A Forward-Looking Approach - PDF Underwriting Trends and Other Highlights from the FDIC’s Credit and Consumer Products/Services Survey - PDF
Summer 2017 - PDF	Community Bank Liquidity Risk: Trends and Observations from Recent Examinations - PDF The Bank Secrecy Act: A Supervisory Update - PDF
Winter 2016 - PDF	Credit Risk Trends and Supervisory Expectation Highlights - PDF
Summer 2016 - PDF	De Novo Banks: Economic Trends and Supervisory Framework - PDF "Matters Requiring Board Attention" Underscore Evolving Risks in Banking - PDF
Special Corporate Governance Edition 2016 - PDF Updated October 2018	A Community Bank Director's Guide to Corporate Governance: 21st Century Reflections on the FDIC Pocket Guide for Directors - PDF Updated October 2018: Chapter III has been revised to reflect updates to the FDIC Manual of Examination Policies.
Winter 2015 - PDF	A Framework for Cybersecurity - PDF Marketplace Lending - PDF Lending Viewpoint: Results from the FDIC's Credit and Consumer Products/Services Survey - PDF
Summer 2015 - PDF	Strategic Planning in an Evolving Earnings Environment - PDF Bank Investment in Securitizations: The New Regulatory Landscape in Brief - PDF
Winter 2014 - PDF	Effective Governance Processes for Managing Interest Rate Risk - PDF Developing the Key Assumptions for Analysis of Interest Rate Risk - PDF Developing an In-House Independent Review of Interest Rate Risk Management Systems - PDF What to Expect During an Interest Rate Risk Review - PDF
Summer 2014 - PDF	Alternatives to Consultants: Meeting Regulatory Expectations with Internal Resources - PDF Supervisory Trends: "Matters Requiring Board Attention" Highlight Evolving Risk in Banking - PDF
Winter 2013 - PDF	Industry Trends Highlight Importance of Effective Interest-Rate Risk Management - PDF Lending Trends: Results from the FDIC's Credit and Consumer Products/Services Survey - PDF The New Basel III Definition of Capital: Understanding the Deductions for Investments in Unconsolidated Financial Institutions - PDF
Summer 2013 - PDF	Credit Risk Assessment of Bank Investment Portfolios - PDF Mergers and Acquisitions: A Compliance Perspective - PDF From the Examiner's Desk: The Evolution of Bank Information Technology Examinations - PDF
Winter 2012 - PDF	Mobile Payments: An Evolving Landscape - PDF High-Yield Checking Accounts: Know the Rules - PDF
Summer 2012 - PDF	The Risk Management Examination and Your Community Bank - PDF Stress Testing Credit Risk at Community Banks - PDF Results from the FDIC's Credit and Consumer Products/Services Survey: Focus on Lending Trends - PDF Accounting News: Accounting for Troubled Debt Restructurings - PDF
Winter 2011 - PDF	Navigating the Real Estate Valuation Process - PDF Mobile Banking: Rewards and Risks - PDF
Summer 2011 - PDF	Managing Risks in Third-Party Payment Processor Relationships - PDF From the Examiner's Desk: SBA Lending: Insights for Lenders and Examiners - PDF
Special Foreclosure Edition - PDF	Regulatory Actions Related to Foreclosure Activities by Large Servicers and Practical Implications for Community Banks - PDF
Winter 2010 - PDF	Trust Preferred Securities and the Capital Strength of Banking Organizations - PDF Insights from the FDIC's Credit and Consumer Products/Services Survey - PDF Senior Life Settlements: A Cautionary Tale - PDF From the Examiner's Desk: Managing Agricultural Credit Concentrations - PDF
Summer 2010 - PDF	FDIC Loss-Sharing Agreements: A Primer - PDF From the Examiner's Desk: Amendments to Regulation Z: Compliance Challenges for Bankers and Examiners - PDF
Winter 2009 - PDF	Nowhere to Go but Up: Managing Interest Rate Risk in a Low-Rate Environment - PDF Not Just Adding Up the Numbers: Achieving CRA Objectives in Challenging Times - PDF From the Examiner's Desk: Customer Information Risk Assessments: Moving Toward Enterprise-wide Assessments of Business Risk - PDF
Summer 2009 - PDF	A Year in Bank Supervision: 2008 and a Few of Its Lessons - PDF Remote Deposit Capture: A Primer - PDF From the Examiner's Desk: Changes to Regulation Z Afford Increased Consumer Protections - PDF
Winter 2008 - PDF	The Changing Liquidity Landscape - PDF Reverse Mortgages: What Consumers and Lenders Should Know - PDF From the Examiner's Desk: Unfair and Deceptive Acts and Practices: Recent FDIC Experience - PDF Accounting News: Accounting for Business Combinations - PDF
Summer 2008 - PDF	Enhancing Transparency in the Structured Finance Market - PDF Hybrid ARMs: Addressing the Risks, Managing the Fallout - PDF A Primer on the Use of Interest Reserves - PDF Accounting News: External Auditors' Reports: Communication of Internal Control Deficiencies - PDF
Winter 2007 - PDF	Liquidity Analysis: Decades of Change - PDF Managing Commercial Real Estate Concentrations - PDF Connecting the Dots … The Importance of Timely and Effective Suspicious Activity Reports - PDF HMDA Data: Identifying and Analyzing Outliers - PDF Authentication in Internet Banking: A Lesson in Risk Management - PDF From the Examiner's Desk: Community Bank Leverage Strategies: Short-term Rewards and Longer-term Risks - PDF
Summer 2007 - PDF	Third Party Arrangements: Elevating Risk Awareness - PDF Staying Alert to Mortgage Fraud - PDF Wind Hazard Insurance: No Longer Just a Technical Exception - PDF From the Examiner's Desk: The e-Exam - PDF Accounting News: Recent Developments Affecting the Accounting for Split-Dollar Life Insurance Arrangements - PDF
Winter 2006 - PDF	Incident Response Programs: Don't Get Caught Without One - PDF Chasing the Asterisk: A Field Guide to Caveats, Exceptions, Material Misrepresentations, and Other Unfair or Deceptive Acts or Practices - PDF Understanding BSA Violations - PDF From the Examiner's Desk: Examiners Report on Commercial Real Estate Underwriting Practices - PDF Accounting News: Auditor Independence - PDF
Summer 2006 - PDF	Operational Risk Management: An Evolving Discipline - PDF Banks and Hurricanes: A Look Back at the Storms of 2004-2005 - PDF Enforcement Actions Against Individuals: 2005 - A Year in Review - PDF From the Examiner's Desk: Two Years After: Assessing the Impact of the New HMDA Reporting Requirements - PDF Accounting News: Accounting for Employee Stock Options - PDF
Winter 2005 - PDF	Model Governance - PDF Online Delivery of Banking Services: Making Consumers Feel Secure - PDF Enforcement Actions Against Individuals: Case Studies - PDF From the Examiner's Desk: The FDIC's Relationship Manager Program: A Win/Win Situation - PDF Capital and Accounting News: Basel II and the Potential Effect on Insured Institutions in the United States: Results of the Fourth Quantitative Impact Study - PDF
Summer 2005 - PDF	A Changing Rate Environment Challenges Bank Interest Rate Risk Management - PDF Enforcement Actions Against Individuals in Fraud-Related Cases: An Overview - PDF Fair Lending Implications of Credit Scoring Systems - PDF The Changing Landscape of Indirect Automobile Lending - PDF From the Examiner's Desk: Enhancing Examiner Review of Technology Service Providers - PDF Accounting News: Other-Than-Temporary Impairment of Investment Securities - PDF
Winter 2004 - PDF	Economic Capital and the Assessment of Capital Adequacy - PDF Linking International Remittance Flows to Financial Services: Tapping the Latino Immigrant Market - PDF The Importance of a Loan Policy "Tune-Up" - PDF From the Examiner's Desk: A Focus on the Appraiser Referral Process - PDF Accounting News: Accounting Procedures for Federal Home Loan Bank Mortgage Partnership Finance Programs - PDF
Summer 2004 - PDF	The FDIC's Supervision of Industrial Loan Companies: A Historical Perspective - PDF Compliance Examinations: A Change in Focus - PDF Federal Home Loan Bank Advances: A Supervisory Perspective - PDF Assessing Commercial Real Estate Portfolio Risk - PDF From the Examiner's Desk: Bank Secrecy Act Compliance Programs - PDF Accounting News: Accounting for Purchased Impaired Loans - PDF

Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

Supervisory Insights