Ask how the rules apply. Hear how your peers read them.

What it is

A place to discuss how US bank and credit union regulation applies in practice. Members ask questions, share how they read an instruction or a rule, and point each other to the primary source. Threads cover Call Report and FR Y-9C instructions, the NCUA 5300, CECL, capital, CRA, HMDA, BSA/AML, exams, enforcement and mergers.

It is not a help desk and it is not a source of official guidance. Posts are opinions from members, and the community rules ask everyone to cite where they found an answer.

Who it is for

• Banks and credit unions

  Compliance, finance, risk and reporting staff who file Call Reports, FR Y-9C and NCUA 5300 data and answer to examiners.

• Regulators and policy staff

  People who supervise institutions or write the rules and want to hear where the instructions are unclear in practice.

• Academics and researchers

  Scholars and students who work with regulatory filings and need to know what a field means before they model it.

• Advisors, auditors and vendors

  Consultants, accountants and software teams who help institutions interpret and implement the rules.

What you get

• Threads with accepted answers. The person who asked marks the reply that solved it, so the answer is easy to find.
• Anonymous posting. Ask a sensitive question without your name. Other members see "Anonymous member".
• Affiliation badges. A badge shows whether an answer comes from a bank, credit union, regulator, academic or vendor. It reads as verified only when our team has checked it.
• Search across every thread and reply. Find what peers already worked out before you ask again.
• Links to the source. Topics connect to the BankRegReports glossary and guides for the form or ratio under discussion.
• Email when someone replies to your thread, which you can turn off.

Topics

• Call Report

  FFIEC 031, 041 and 051 instructions, schedules, line items, edits and filing deadlines.

• FR Y-9C and holding companies

  FR Y-9C, FR Y-9SP and FR Y-9LP reporting, thresholds and consolidation questions.

• NCUA 5300 and credit unions

  NCUA 5300 Call Report, net worth, the complex credit union leverage ratio and NCUSIF.

• CECL and the allowance

  Allowance for credit losses: methods, qualitative factors, disclosures and examiner expectations.

• Capital and Basel

  Regulatory capital ratios, risk weights, buffers, the community bank leverage ratio and Basel III.

• Liquidity and interest rate risk

  Liquidity coverage, funding concentrations, brokered deposits, securities losses and rate risk.

• Deposit insurance

  FDIC and NCUSIF coverage rules, ownership categories, assessments and failed-bank resolution.

• Exams and CAMELS

  Safety-and-soundness examinations, CAMELS ratings, matters requiring attention and supervisory letters.

• Enforcement actions

  Consent orders, memoranda of understanding, civil money penalties and prompt corrective action.

• BSA/AML and sanctions

  Bank Secrecy Act programs, suspicious activity reporting, customer due diligence and OFAC.

• CRA, HMDA and fair lending

  Community Reinvestment Act exams, HMDA reporting and fair lending compliance.

• M&A and applications

  Merger approvals, change in control, branch and charter applications, and deal timelines.

• Using BankRegReports data

  Questions about the data on this site: which filing a figure comes from, how a ratio is built, and what a field means.

• General

  Anything about US bank and credit union regulation that fits no other category.

What we are building it for

• A secure place to discuss regulation and interpretation, anonymously if you prefer.
• A way for institutions, regulators, academics and vendors to meet and compare how they read the same text.
• A shared understanding of the rules, so that reporting and practice line up from one institution to the next.
• A searchable record that helps the next generation of compliance and reporting staff learn the work.

How access works

1. Create a free account

   Sign up and confirm your email address. If you already have an account, sign in.

2. Request access

   Tell us the name to show, your role, the kind of institution you work for and why you want to join. You also agree to the community rules.

3. We review it

   A member of our team reviews each request and emails you the decision. Paid subscribers are approved immediately.

Every thread, reply and member profile is visible only to approved members and is kept out of search engines. This page is the only public part of the community.

Questions