A simpler CECL
Two practical steps toward simplifying the loan loss accounting standard: anchoring estimates in public data and an enhanced SCALE.
What I learned using the My Social Security site for the first time
Seeing projected monthly income at different claiming ages made Social Security feel real — not theoretical.
Where community bank CECL costs actually come from
Q factors, validation and audit expectations drive costs for community banks without delivering matching value.
Neck and neck
Banks’ anti-fraud measures seek to keep pace with fraudsters’ innovations.
Two sides of the same coin
Driving strategic growth with CRA and fair lending tools
A modern way to think about modernization
Tech transformation isn’t one and done. Progressive modernization puts banks on a footing of constant innovation and strategic change.
The value of deepening engagement with Hispanic communities
Leaning into local roots and relationships can create authentic connections. ‘If we do not identify what they need, then we...
CECL’s true costs come into focus
A decade after its release, the current expected credit loss methodology has delivered added costs without corresponding benefits for community...
AI in mortgages: Reshaping the lending lifecycle
Experts advise bank leaders to ensure AI is deployed responsibly, governed transparently and secured carefully.
Bringing financial literacy to life for the next generation
When young people are empowered to teach and create, financial literacy becomes more relatable, engaging and memorable.'
