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Supervisory Insights

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Supervisory Insights is published by the Division of Risk Management Supervision of the Federal Deposit Insurance Corporation to promote sound principles and practices for bank supervision.

Disclaimer:  Links in older issues of Supervisory Insights may not be current due to the age of these documents.

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Supervisory Insights
Issue Articles in this Issue
Summer 2022 - PDF
  • Commercial Real Estate: An Update on Bank Lending Amid the Evolving Pandemic Backdrop - PDF
  • Subordinated Debt:  Issuance and Investment Considerations - PDF
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
Last Updated 09/19/2022
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