Getting Marketing and Risk on the same page is one of the primary benefits of adopting CECL provided you've done it in the way that maximizes the value of data

Subprime auto loan delinquency rates are jumping while delinquency overall is improving. What is driving the increase? Will it permanently Impact your CECL reserves?

Managing risk of default and changing asset values makes used car lending more challenging than ever

Forecasting is hard. CECL forecasts are harder. Why? Historical data must be tied to economic data to understand how macro economics have impacted performance.

Protecting your customers means protecting their data. Stripping personally identifying data is key to providing security.

Rising home values across the country may help homeowners' balance sheets but lower affordability may hurt home buyers in the near- and long-term if pressures mount on future home price increases.

CECL loss estimates require a forecast of future economic conditions to adjust historical loss rates. What factors should you take into account?

The average auto loan term has increased to 69 months with 1/3rd of new loans 6 years and longer. How will longer auto loan terms impact your CECL reserves?

Some believe that the CECL standard shouldn't apply to community banks and credit unions. What do smaller institutions gain from CECL?