2014

382 records

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Bank Examination Loan Sampling Requirements

FRB expectations for loan sampling as part of examination program

US Federal Reserve Board guidance for loan sampling during examinations of medium-sized banks. Loan reviews are used to evaluate the effectiveness of a bank's internal loan review program and internal grading systems, determine the quality of credit risk management and credit administration processes, and assess the adequacy of loan loss provisions.

Publisher: National Regulators Release date: Jul 2014 Country: United States

Type: Supervisory Practice

Topics: Credit risk, Asset classification and provisioning, Capital adequacy

Sectors: Banking

Supervisory Reporting on Forbearance and Nonperforming Exposures

EBA definitions of forbearance and nonperforming exposures

European Banking Authority standardized definitions of forbearance and nonperforming exposures. Definitions aim at achieving comprehensive coverage of non-performing exposures and exposures to which forbearance measures have been extended. Provide common criteria to identify forbearance measures and harmonization elements that mitigate divergences in implementation of default and impairment definition, including in relation to extension of forbearance.

Publisher: Regional Standard-Setting Bodies Release date: Jul 2014

Type: Standard

Parent: Capital Requirements Regulation - CRR

Peer: Guidelines on Management of Non-Performing and Forborne Exposures , Guidelines on Disclosure of Non-Performing and Forborne Exposures

Topics: Credit risk, Transparency and disclosure, Accounting, actuarial and auditing

Sectors: Banking

Final Draft Regulatory Standards on the Assessment of Recovery Plans

EBA standards requiring recovery plans to be assessed for completeness, quality and overall credibility

European Banking Authority Regulatory Technical Standards (RTS) made under Articles 5(7), 5(10) and 6(8) of the European Recovery and Resolution Directive (BRRD). Outlines matters supervisory authorities must assess when reviewing individual and group recovery plans developed by financial institutions. Objective is to ensure a common approach across the EU regarding assessment of recovery plans and facilitate joint assessments of group recovery plans by different supervisory authorities. Supervisory authorities are required to assess recovery plans against three sets of criteria: i) completeness; ii) quality; and iii) overall credibility of a recovery plan.

Publisher: Regional Standard-Setting Bodies Release date: Jul 2014

Type: Standard

Parent: Bank Recovery and Resolution Directive (BRRD)

Topics: Recovery and resolution

Sectors: Banking, Securities

Guidelines on the Range of Scenarios to be Used in Recovery Plans

EBA guidelines on the stress scenarios to be used in bank recovery plans

European Banking Authority guidelines developed pursuant to Articles 5.7 and 6.8 of the European Bank Recovery and Resolution Directive (BRRD). Specifies the range of scenarios of severe macroeconomic and financial distress against which institutions should test the impact and feasibility of their recovery plans. The guidelines stipulate that at least three scenarios should be included to ensure coverage of a system-wide event, an idiosyncratic event and a combination of system-wide and idiosyncratic events.

Publisher: Regional Standard-Setting Bodies Release date: Jul 2014

Type: Guideline

Parent: Bank Recovery and Resolution Directive (BRRD)

Topics: Recovery and resolution

Sectors: Banking, Securities

Report on Responsible Lending

FinCoNet report reviews supervisory tools for suitable consumer lending practices

International Financial Consumer Protection Organization sets out responsible lending obligations in relation to a full suite of consumer credit products, with a focus on consumer protection. Identifies practices and initiatives that promote responsible lending in the consumer credit market. Emphasizes importance of supervisory and enforcement capabilities.

Publisher: Others Release date: Jul 2014

Type: Consultative, discussion and issues paper

Peer: Guidance to Supervisors on Setting Standards for Sales Incentives and Responsible Lending, Impact of Sales Incentives on the Sale of Consumer Credit Products

Topics: Conduct, Consumer education and protection, Transparency and disclosure, Corporate governance

Sectors: Banking, Insurance, Pensions, Securities

Smartphones & Mobile Money

GSMA white paper discusses the next generation of digital financial inclusion

GSM Association white paper discusses factors at play in global smartphone adoption and their significance in the evolution of mobile money. Discusses: i) rise of smartphones in emerging markets; ii) implications of smartphones for financial inclusion; iii) scenarios for smartphone-based mobile money; and iv) challenges and opportunities for the future.

Publisher: Industry Groups Release date: Jul 2014

Type: Consultative, discussion and issues paper

Peer: Safeguarding Mobile Money

Topics: Consumer education and protection, Financial inclusion, Transparency and disclosure, FinTech

Sectors: Microfinance

Public Disclosure Requirements for Domestic Systemically Important Banks on Liquidity Coverage Ratio

OSFI final guideline on LCR disclosure requirements

Guideline of the Office of the Superintendent of Financial Institutions of Canada setting out public disclosure requirements regarding the LCR for domestic systemically important banks (D-SIBs).

Publisher: National Regulators Release date: Jun 2014 Country: Canada

Type: Guideline

Parent: Liquidity Coverage Ratio Disclosure Standards

Topics: Liquidity risk and rules, Transparency and disclosure, Systemically important financial institutions (SIFIs)

Sectors: Banking

Applying Behavioral Insights in Consumer Protection Policy

CGAP note sets out evidence on selected behavioural biases relevant to financial consumer protection

Consultative Group to Assist the Poor focus note explores how behavioural research can offer important tools for effective policy-making in four priority consumer protection topics: i) disclosure, transparency, and product choice; ii) complaints handling and recourse; iii) credit market regulation and debt stress; and iv) fair treatment.

Publisher: International Organizations Release date: Jun 2014

Type: Consultative, discussion and issues paper

Sectors: Banking, Insurance, Microfinance, Pensions

Principles for Effective Supervisory Colleges

BCBS revised guidelines on functioning of supervisory colleges

Basel Committee on Banking Supervision revised guidelines to promote and strengthen operation of colleges. Key changes include: i) greater emphasis on ongoing collaboration and information-sharing; ii) reinforcing expectations on balance between core college effectiveness and host authority involvement; iii) home and host supervisor mechanisms and resources for effective and timely information exchange; iv) home and host supervisors to agree on what types of feedback they provide to banks and how; and v) differentiating between banks that have resolution colleges and those that do not, and providing guidance on possible communication and coordination between supervisory colleges and resolution colleges with respect to crisis preparedness. Also incorporates guidelines for sharing and use of macroprudential information.

Publisher: Global Standard-Setting Bodies Release date: Jun 2014

Type: Guideline

Peer: Progress Report on the Implementation of Principles for Effective Supervisory Colleges, Progress Report on the Implementation of Principles for Effective Supervisory Colleges

Topics: Supervisory framework, Cross-border cooperation, Recovery and resolution, Macroprudential

Sectors: Banking

Report on the Macro-Prudential Research Network (MARS)

ECB report summarizes research conducted by MARS since its establishment in 2010

European Central Bank report summarizes results of MaRs' research and progress it has made on behalf of European System of Central Banks in terms of analytical underpinnings of macro-prudential policies. Provides an overview of the network's activities and output. Reviews findings of each of the three work streams: i) macro-financial models linking financial stability and the performance of the economy; ii) early warning systems and systemic risk indicators; and iii) assessing contagion risks.

Publisher: Regional Standard-Setting Bodies Release date: Jun 2014

Type: Consultative, discussion and issues paper

Topics: Macroprudential, Systemic risk

Sectors: Banking

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Resources

382 records

Bank Examination Loan Sampling Requirements

Supervisory Reporting on Forbearance and Nonperforming Exposures

Final Draft Regulatory Standards on the Assessment of Recovery Plans

Guidelines on the Range of Scenarios to be Used in Recovery Plans

Report on Responsible Lending

Smartphones & Mobile Money

Public Disclosure Requirements for Domestic Systemically Important Banks on Liquidity Coverage Ratio

Applying Behavioral Insights in Consumer Protection Policy

Principles for Effective Supervisory Colleges

Report on the Macro-Prudential Research Network (MARS)

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