Inside Spring 2020

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Should you be stress testing your borrowers?

Most banks are familiar with the concept of stress testing: By evaluating the impact of adverse external events on a bank’s earnings, capital adequacy and other financial measures, stress testing can be a highly effective risk management tool. And while community banks generally aren’t required to conduct stress testing, banking regulators view it as a best practice. This article discusses the ins and outs of stress testing. A sidebar explains Canada’s mortgage stress-testing law...Read article

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Breaking up is hard to do
Protect bank interests after a divorce

If a borrower’s business is co-owned by two married partners, will the business fall apart if the marriage does? This article looks at some factors community banks should be aware of if their loans are at risk due to divorce. The article explains how divorce could affect the ownership and operation of a small business. It points out that, if banks and their lenders stay on top of potential problems, they’ll likely be able to help borrowers navigate these difficult waters and come out relatively unscathed, protecting their loans in the process...Read article

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Artificial intelligence may be the future of community banking

Recent technological developments — such as artificial intelligence (AI), robotic process automation (RPA) and machine learning — are rapidly changing the way we do business. And an increasing number of community banks are now recognizing their value. This article discusses the potential uses of such technologies, including automating the account opening process, changing addresses and other information, and improving fraud protection. It notes that community banks should monitor these new technologies and consider how they might improve their businesses — either now, or down the road...Read article

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This brief summary of recent developments in community banking points out that the OCC and FDIC recently issued an interagency statement on heightened cybersecurity risks that reminds banks to implement and maintain effective preventive controls. It also discusses a recent OCC report warning that compliance risk related to Bank Secrecy Act/anti-money laundering activities remained high last year. Finally, the article notes that a recent case illustrates the importance of carefully following the Fair Debt Collection Practices Act (FDCPA)...Read article

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