Plansmith Blog

Regulatory Expectations: IRR & Liquidity

Posted by Dave Wicklund on 11/6/19 10:51 AM

Does your organization have the IRR and Liquidity knowledge it needs to succeed?

Regulatory guidance emphasizes the importance of effective corporate governance and outlines expectations for both board members and senior management personnel. Specifically, interagency guidance identifies the board of directors as having the ultimate responsibility for the risks undertaken by an institution – including IRR and liquidity.

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A Response to the FDIC: Brokered Deposits and High-Rate Deposits

Posted by Dave Wicklund on 3/20/19 11:17 AM

As you may have seen, in February we did a webinar on recent changes in the way Regulators are evaluating funding risk and the new measurements they are using to assign the “L”-Liquidity rating. As we noted, their focus has been on brokered deposits, “potentially volatile funding sources,” and “high rate deposits.” We pointed out numerous weaknesses in the way these funding sources are being assessed and limited.

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