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Risk Management

Not So Bullish: Investor Sentiment on the Decline

April 13 — The latest StreetWise study from E*TRADE finds that bullish sentiment among investors has fallen 16 percentage points to 52 percent, a decline from the first quarter of 2018 and an 11 point drop from the second quarter of 2017.

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OCC Sees Heightened Risks in Competitive Environment

By Madeleine G. Kvalheim

On Jan. 18, the Office of the Comptroller of the Currency released its semiannual report on risks plaguing the federal banking system during the fall of 2017. The report highlights the OCC’s ongoing concerns for federal banks as they affect consumers and the integrity of the banking system in relation to compliance mandates. The report acknowledges the fierce competition in the banking sector as institutions face continuing pressure to efficiently lend money in a fast-paced environment where consumers demand rapid technological advancements. And this is all in the face of similarly complex and ever-changing regulations. These factors create a plethora of risks and insurmountable exposure for the federal banks under the purview of the OCC.

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It’s Déjà Vu All Over Again

By Chris Thompson

The late, great New York Yankee, Yogi Berra, proved to be an accidental humorist. With mangled language and misplaced modifiers, the professional ball player and amateur commentator on the human condition oddly articulated the essence of the matter with quips that inadvertently made sense. No one could argue with the fun fact, “You can observe a lot by watching,” and everybody smiles at the one-liners, “Nobody goes there anymore, it’s too crowded” and “When you come to a fork in the road, take it!” These are simple truths expressed with a strange clarity that resonate with anyone living in the real world and unimpressed by frothy eloquence. You tell ‘em, Yogi!

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Who’s More Credit-Savvy, Baby Boomers or Millennials?

March 22 — When seeking an auto loan, a consumer’s understanding of her/his credit limitations matters. Equifax has released a new study examining automotive shopping and buying behaviors across prime and subprime credit buyers, as well as breaking it down into millennial and baby boomer age categories.

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Key to Preventing Bank Runs May Lie in the “Why?”

March 9 — The latest Economic Brief by Renee Haltom and Bruno Sultanum at the Richmond Fed discusses the history of and theories behind bank runs as well as a possible new solution for preventing them.

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