OFFICIAL PUBLICATION OF THE KANSAS BANKERS ASSOCIATION

Pub. 11 2022 Issue 3

2022 Key MBS Themes and the Case for Specified Pools

The mortgage market is already off to a volatile start in 2022 with Treasury yields soaring, spreads widening, and mortgage rates breaching 4%. The Federal Reserve has made clear that it will focus on a robust monetary tightening campaign to combat high inflation by ending mortgage-backed securities (MBS) purchases and likely shifting the reinvestment of mortgage paydowns from MBS to Treasuries. This comes on the heels of record home price appreciation (HPA) and expectations for prices to continue rising at a modest pace, increasing loan sizes.

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Documentation Makes a Difference for CECL Implementation

Where has the time gone? Unbelievably, the industry is six short months away from adopting CECL. Thankfully, the six years since CECL was announced have been quiet, relatively straightforward years allowing you and your bank time to prepare.

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Managing Institutional Third-Party Risks

Digital products and online platforms have reconfigured commercial banking in the 21st century. Market penetration for these services and products continues to rise, and it is expected that the users of digital banking will eclipse 80% of the population in the U.S. by 2025. These changes represent a massive, irreversible disruption in the way commercial banking is done, opening up new business models and placing pressure on industry incumbents.

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Outsourced Compliance Service Sees Strong Start, Welcomes New Compliance Specialist

Just five months into Compliance First Banking Solutions’ launch of its outsourced compliance services, CFBS welcomes its newest member of the team and second Compliance Operations Specialist, Nathan Stumme. Joining the KBA from Houston, Texas, Nathan has worked in the financial services industry for six years, serving as a consumer loan processor and vendor management specialist before most recently working as an internal auditor. Prior to working in financial institutions, Nathan studied computer science at Wartburg College in northeast Iowa and worked in technical support for small businesses.

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Kansas Bankers Educational Foundation Awards Scholarships

The Kansas Bankers Association (KBA) is pleased to announce the recipients of thirteen scholarships awarded by the Kansas Bankers Educational Foundation (KBEF), a 501(c) 3 corporation created and operated by the KBA. Four scholarships were awarded to children of Kansas bankers, two scholarships were given to students with banker references, and seven scholarships were awarded to students who are currently enrolled in one of two Kansas colleges/universities who offer banking-specific degrees and/or concentrations.

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