Supervisory Insights is published by the FDIC's Division of Risk Management Supervision to promote sound principles and practices for bank supervision.
Articles in the Winter 2015 issue include:
- 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.
- Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and supervisory guidance.