Retail Risk Management and Classification
Share This Page:
From a regulatory perspective, risk is the potential that events, expected or unanticipated, may have an adverse impact on a bank’s capital or earnings. To control risk and mitigate its impact on financial performance, all banks must have systems that identify, measure, control, and monitor risks. Strong risk management systems are especially important when introducing new products or services and during economic growth or recession.
Popular Links
Shared National Credit (SNC) Report
Survey of Credit Underwriting Practices
Quarterly Report on Bank Trading and Derivatives Activities
Detecting Red Flags in Board Reports: A Guide for Directors
Follow the links on this page for regulatory resources related to retail risk management and classification.
References
Detecting Red Flags in Board Reports: A Guide for Directors (October 2003)
Describes information generally included in board reports and highlights ratios or trends that may signal existing or potential problems
Uniform Retail Credit Classification and Account Management Policy (OCC 2000-20, June 2000), Final Notice (Federal Register, June 12, 2000)
Establishes standards for classification and account management of retail credit in banks and thrifts
Popular Links
Shared National Credit (SNC) Report
Survey of Credit Underwriting Practices
Quarterly Report on Bank Trading and Derivatives Activities
Detecting Red Flags in Board Reports: A Guide for Directors
Related News and Issuances
| Date | ID | Title |
|---|---|---|
| 01/14/2021 | NR 2021-8 | OCC Finalizes Rule Requiring Large Banks to Provide Fair Access to Bank Services, Capital, and Credit |
| 12/16/2020 | NR 2020-172 | OCC Reports Decline in Mortgage Performance |
| 09/29/2020 | NR 2020-129 | Agencies Issue Two Final Rules |