Tag Archives: Credit Risk

Though many experts have said housing finance reform is unlikely this year, the time is now to explore the fundamentals of how that reform could happen. Uniform and transparent measures of credit risks will play a key role—whether it’s in 2016, 2017, or beyond. Editor's note: This select print feature appears in the March 2016 edition of MReport magazine, available now.

The housing market is six years into the current recovery, and while banks are generally in good health, worrisome signs of credit risk are still prevalent among these institutions.

Careless underwriting standards is causing an influx of credit risk in bank lending portfolios, which could be a huge mistake for these lenders over the long-term.

A survey of 95 national banks and federal savings associations revealed overall on average, those institutions have eased their underwriting standards for the third consecutive year, according to a report from the Office of the Comptroller of the Currency.

Banks need to take steps now to avoid emerging credit risk in today’s financial system in order to prevent another financial meltdown, according to Comptroller of the Currency Thomas Curry in a public address on Monday.