ViewPoint Live! April 28, 2015 Presented by: Michael Johnson, Executive Vice President Juan Sanchez, Vice President The views expressed here are my own and do not necessarily reflect the views of the Federal Reserve Bank of Atlanta or the Federal Reserve System.
Current Banking Conditions 2
CCAR versus DF AS T Bank Holding Company Capital Stress Testing Submissions Capital Actions Analysis Decision Results Firms submit proposed capital Firms’ propose capital actions, Supervisory Stress Fed either accepts Published by the CCAR plans, including capital actions, which are held constant for each Testing is conducted & or objects to Fed in March $50 billion+ and the results of five stress tests test. a qualitative review of proposed capital for the CCAR portion of the the Capital Plan is plan in total program: performed by the Fed consolidated • Three tests using the supervisory scenarios assets (supervisory baseline, adverse, and severely adverse) and • Two tests using internally generated baseline and stress scenarios, designed to capture each firm’s idiosyncratic risks. Firms submit the results of tests Capital action assumptions are Supervisory Stress None Published by the DFAST using the three supervisory specified by Dodd-Frank Tests performed and Fed in March $50 billion+ scenarios (supervisory baseline, results are factored adverse, and severely adverse) into CCAR analysis in total consolidated assets Firms submit the results of tests Capital action assumptions are The Board Summary of None DFAST using the three supervisory specified by Dodd-Frank analyzes the quality of results disclosed $10-50 billion the company’s scenarios (supervisory baseline, by Firms adverse, and severely adverse) stress tests processes between June 15 in total and related results. and June 30, consolidated Feedback 2015 Is provided through the assets supervisory process.
Consumer Compliance Current Hot Topics 1. Flood Insurance 2. Unfair and Deceptive Acts or Practices (UDAP) 3. Redlining 4. Fair Lending 5. Community Reinvestment Act (CRA) 4
Consumer Compliance Current Hot Topics 1. Flood Insurance 2. Unfair and Deceptive Acts or Practices (UDAP) 3. Redlining 4. Fair Lending 5. Community Reinvestment Act (CRA) 5
Consumer Compliance Current Hot Topics 1. Flood Insurance 2. Unfair and Deceptive Acts or Practices (UDAP) 3. Redlining 4. Fair Lending 5. Community Reinvestment Act (CRA) 6
Consumer Compliance Current Hot Topics 1. Flood Insurance 2. Unfair and Deceptive Acts or Practices (UDAP) 3. Redlining 4. Fair Lending 5. Community Reinvestment Act (CRA) 7
Consumer Compliance Current Hot Topics 1. Flood Insurance 2. Unfair and Deceptive Acts or Practices (UDAP) 3. Redlining 4. Fair Lending 5. Community Reinvestment Act (CRA) 8
Consumer Compliance • Frequency of State Member Banks 9
Consumer Compliance • Frequency of State Member Banks (cont’d.) 10
Consumer Compliance • Frequency of State Member Banks (cont’d.) 11
Thank you Additional Fed Resources: Community Banking Connections https:/ / communitybankingconnections.org/ ViewPoint https:/ / www.frbatlanta.org/ banking/ publications/ financial-update/ 2015/ q1/ viewpoint.aspx S tress Tests and Capital Planning http:/ / federalreserve.gov/ bankinforeg/ stress-tests-capital-planning.htm Presented by: Basel Regulatory Framework http:/ / federalreserve.gov/ bankinforeg/ basel/ default.htm S upervision and Regulation/ Consumer Affairs Letters http:/ / federalreserve.gov/ bankinforeg/ srletters/ srletters.htm http:/ / federalreserve.gov/ bankinforeg/ caletters/ caletters.htm Economic, Banking and Financial Data http:/ / federalreserve.gov/ econresdata/ default.htm https:/ / research.stlouisfed.org/ fred2/ The views expressed here are my own and do not necessarily reflect the views of the Federal Reserve Bank of Atlanta or the Federal Reserve System.
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