Regulatory Update: CRE, HVCRE and HVADC

Ardmore Banking Advisors (ABA) regularly monitors new and proposed guidance issued by the bank regulatory agencies, other news and analysis related to the banking industry, and stays in close touch with client banks about what they are hearing from the regulators. One of the topics we have heard discussed consistently and increasingly by regulators is commercial real estate (CRE). Regulatory issuances and on-site exams have addressed CRE concentrations and the elements of the enhanced risk management framework that regulators expect to be in place if a CRE portfolio is growing rapidly or if it has exceeded the 300% total CRE 100% acquisition, development and construction (ADC) thresholds.

Webinar: The CECL Journey - Stress Free Stress Testing: What Regulators are Expecting & How Ardm

Stress testing is on the mind of many community bankers right now, with almost 80% of participants in a recent Risk Management Association (RMA) survey indicating that stress testing was the aspect of Enterprise Risk Management that regulators most want to see implemented. However, many community bankers are unsure of exactly what processes regulators would like to see put in place, and how to begin gathering data, implementing the systems and training their staff so that those processes can commence. Our recent webinar featured a discussion about what regulators are expecting from community banks when it comes to stress testing, the most efficient way to begin gathering and organizing data

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