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Supervisory Insights

Winter 2015 Vol. 12, Issue 2 - Table of Contents

Last Updated: April 12, 2023

Supervisory Insights - Winter 2015 - PDF

Letter from the Director


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 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

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.