Credit Risk OCC Underwriting 
PYMNTS
JULY 26, 2017
Treasury’s Office of the Comptroller of the Currency (OCC) has again released its report on top risks facing banks, with its Spring 2017 analysis warning FIs that threats are coming from all angles. PYMNTS outlines some of those key trends found in the OCC report below. Shifts in Lending Practices. Cyber Threats. Compliance.
FICO
MAY 6, 2019
FICO Scores Are Not Fixed Estimates of Credit Risk. The FICO ® Score is designed to rank-order the likelihood that a borrower will repay their loan(s), with higher scoring borrowers representing lower risk, and lower scoring borrowers representing higher risk. So are FICO ® Scores “artificially inflated”?
FICO
DECEMBER 20, 2018
Siloed business units and technology stacks for credit risk, marketing, fraud and compliance work extraordinarily well for maintaining the status quo, but poorly when it comes to large-scale transformation. Payday Lenders Will Face More Robust Competition. small-dollar lending market.
PYMNTS
JULY 17, 2017
The Office of the Comptroller of the Currency (OCC) — the banking industry’s leading governmental regulator — has some concerns about banks, FinTechs and the increasing connection between the two. In addition, he noted his agency “will pay close attention to these key risk areas over the next six months.”.
CB Insights
DECEMBER 4, 2019
In his 2016 annual letter to shareholders , Bezos outlined Amazon’s goal of expanding Amazon Lending: by continuing to work with partner banks to manage the bulk of the credit, the retailer can mitigate credit risk and calm investor nerves. Today, Amazon has expanded its business lending to the US and UK. Amazon SMB Lending.
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