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Mastering ICFR Audits: A Guide for Banks with Over $1 Billion in Assets

By Pinion Editorial | September 9, 2024
Reading Time: 3 minutes
Internal Control over Financial Reporting (ICFR) audits are a cornerstone of financial accountability, especially for banks with over $1 billion in assets. The Sarbanes-Oxley Act (SOX) mandates that public companies, including large banks, maintain robust internal controls and undergo ICFR audits to ensure the accuracy and reliability of their financial …

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Off-Balance Sheet Credit Exposure Liability Under (ASC) 326

By Pinion Editorial | September 9, 2024
Reading Time: 2 minutes
Since the effective date of ASC 326 (CECL), we’ve been asked several questions regarding the need for a separate liability for off-balance sheet (OBS) credit exposures, or an “unfunded commitments liability”. Several factors should be considered when determining if this is necessary for your financial institution. Here are three essential …

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Navigating HUD Lending: A Guide for Banks

By Pinion Editorial | September 6, 2024
Reading Time: 3 minutes
The U.S. Department of Housing and Urban Development (HUD) plays a crucial role in expanding access to affordable housing. By providing federal support and insurance for home loans, HUD helps lower the risk that lenders face when borrowers default on their mortgages. Banks that get involved with HUD lending can …

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USDA Deadline Announced for Emergency Relief Program and FSA-510 Filing

By Pinion Editorial | July 30, 2024
Reading Time: < 1 minute
The U.S. Department of Agriculture recently announced August 14, 2024, as the deadline for commodity and specialty crop producers that suffered losses as a result of a 2022 natural disaster to apply for the Emergency Relief Program (ERP). An estimated $3.2 billion in funding was allocated by Congress to cover …

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5 Traits Found in Resilient Producers

By Pinion Editorial | July 26, 2024
Reading Time: 5 minutes
What keeps a farmer in business through droughts, rising costs, falling prices and other invisible struggles? What helps you weather through? “As an Ag marketing and risk management advisor who’s been around the block (more than a few dozen times), I’ve had the benefit of having had thousands of honest conversations …

Read more5 Traits Found in Resilient Producers

Decrypting Pig Butchering Scams in the Financial Sector:

By Pinion Editorial | July 25, 2024
Reading Time: 3 minutes
The term ‘pig butchering’ may seem out of place in finance, but it aptly describes a new type of cryptocurrency scam that blends social engineering with investment fraud. Much like fattening up a pig before slaughter, scammers build a relationship with their target over time before convincing them to invest …

Read moreDecrypting Pig Butchering Scams in the Financial Sector:

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