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.

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Supervisory Insights
Issue	Articles in this Issue
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

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

Supervisory Insights