Regulatory update
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Robert Browning, Supervision Analyst Division of Supervision / Region IV. Regulatory Update. October 6, 2014. Interest Rate Risk. Fed Forecasts Rate Hikes to Begin in 2015. Long Term Assets Composition. Investments by Maturity. Unrealized Losses.

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Regulatory Update

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Regulatory update

Robert Browning, Supervision Analyst

Division of Supervision / Region IV

Regulatory Update

October 6, 2014


Regulatory update

Interest Rate Risk

Regulatory Update


Fed forecasts rate hikes to begin in 2015

Fed Forecasts Rate Hikes to Begin in 2015

Regulatory Update


Long term assets composition

Long Term Assets Composition

Regulatory Update


Regulatory update

Investments by Maturity

Regulatory Update


Regulatory update

Unrealized Losses

Regulatory Update


Regulatory update

Distribution of Net Long-Term Asset (NLTA) RatiosFederally Insured Credit Unions (FICUs) over $250 MillionMarch 2014

Regulatory Update


Regulatory update

IRR Resources

http://www.ncua.gov/Resources/Pages/interest-rate-risk-resources.aspx

Regulatory Update


Regulatory update

Cybersecurity

Regulatory Update


Regulatory update

Cybersecurity

  • Growing Range of Services & Platforms

  • Breaches

  • Cyber attacks on ATMs

    4. DDoS attacks

    5. Joint FBI / Secret Service Alerts

Regulatory Update


Regulatory update

Cybersecurity

  • FFIEC Working Group

  • Goal is to enhance:

  • Guidance,

  • Training, and

  • Examinations

Regulatory Update


Regulatory update

Cybersecurity

http://www.ncua.gov/Resources/Pages/cyber-security-resources.aspx

Regulatory Update


Regulatory update

Risk Based Capital

Regulatory Update


Risk based capital

Risk Based Capital

Regulatory Update


Risk based proposal strengthens capital buffers

Risk-Based Proposal Strengthens Capital Buffers

Regulatory Update


Addressing rbc concerns

Addressing RBC Concerns

  • All risk weights will be reviewed, and some should be lowered.

  • Credit unions will not be required to raise $7 billion.

  • Examiners will not be authorized to raise any individual credit union’s capital requirement.

  • The implementation period will be extended beyond 18 months.

Regulatory Update


Other regulatory highlights

Other Regulatory Highlights

1) CUSO Rule (Effective June 30, 2014)

  • Proposed Fixed Asset Rule

  • Liquidity Rule

  • Examination Process

Regulatory Update


Office contact page

Office Contact Page

Feel free to contact our office with questions or comments.

Robert Browning, Supervision Analyst,Division of Supervision

[email protected]

(703) 609-5997

Regulatory Update


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