2015 Quarter One

Information about the current release.

Risk Perspectives

The Federal Reserve System has established a banking risk framework that consists of six risk factors: credit, market, operational, liquidity, legal and reputational risks. During examinations, institutions' risk management structures are reviewed using these risk categories.

The Federal Reserve Bank of Chicago's supervision group follows current and emerging risk trends on an on-going basis. This Risk Perspectives newsletter is designed to highlight a few current risk topics and some potential risk topics on the horizon for the Seventh District and its supervised financial institutions. The newsletter is not intended as an exhaustive list of the current or potential risk topics and should not be relied upon as such. We encourage each of our supervised financial institutions to remain informed about current and potential risks to their institutions.

Final Rule to Implement Section 622 of the Dodd-Frank Act

On November 5, 2014, the Federal Reserve Board issued a final rule to implement section 622 of the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), which generally prohibits a financial company from combining with another company if the ratio of the resulting company's liabilities exceeds 10 percent of the aggregate consolidated liabilities of all financial companies. 

Current Risk Topics

  • Quarter Three 2014 District Bank Performance
  • Quarter Four 2014 Earnings Predictions
  • Commercial Real Estate

 This edition also features information about regulations for capital planning and stress testing and home equity lines of credit nearing their end-of-draw periods. Read more...