The RMA Journal (ISSN 1531-0558) is published monthly (except August and January) by The Risk Management Association, 1801 Market Street, Suite 300, Philadelphia, PA, 19103, 215-446-
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5 Alexander Wall Lifetime Achievement Award
6 Journalistic Excellence Awards
7 Academic Program
8 RMA Calendar of Events
9 From Your RMA Leadership:
Leadership: Much More Than Business as Usual
10 Index to Advertisers
RMA New Member Welcome
62 Washington Wrap-up
EDWARD J. DeMARCO JR. AND BERNARD MASON
74 2017-2018 Annual Statement Studies
76 The Legal Corner:
Creditor Does Not Violate Bankruptcy Code
by Refusing to Surrender Possession of Collateral
MICHAEL L. WEISSMAN
DECEMBER 2017•JANUARY 2018
50 The ALLL Methodology Study: An Executive Summary
As part of its continuing focus on enterprise risk management, RMA recently
surveyed banks on their approaches to the allowance for loan and lease losses.
REGULATORY ISSUES/OPERATIONAL RISK
54 The New York Chapter’s Regulatory Panel 2017: Regulators Staying
Focused Amid Change in Washington
A panel discussion hosted by RMA’s New York Chapter covered topics
including risk management, retail, technology, and cybersecurity.
58 Redlining: A Continuing Compliance Risk
Federal authorities are conveying the message that discriminatory “redlining”
practices have become an increasing concern in the aftermath of the financial
66 Is Lending to Wealthy Individuals an Oxymoron?
Extending credit to wealthy individuals benefits both the customer and the
institution, but it’s important to understand what motivates this important
customer segment and which risks to consider.
MICHAEL F. STARA
WORDS TO THE WISE
70 The Ins and Outs of In and Out
“Words to the Wise” is an occasional RMA Journal feature to help practitioners
avoid common errors in writing. This time the focus is on the correct use of the
words in and out.