Our news stories can be in the form of e-shots, ‘white papers’ or social media commentary, but we will not comment on trivial matters – you will not see us mentioning on what type of coffee we are drinking whilst waiting for a train! You can catch up on our previous commentaries below.
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Equity Release portfolios – long term risks
The recent PRA consultation paper as part of Solvency II throws the spotlight on how holders of mortgage assets monitor and value long term risk in equity release mortgages [‘ERM’].…
Credit Creep
As financial markets move through economic cycles the focus of regulators often shifts to ensure current and potential risks are adequately assessed and mitigated against. In the current climate economic…
Royal Commission and Risk Reviews
There has been historic misconduct within the Australian banking, mortgage and financial service industries – hence a Royal Commission was formed to consider the issues, causes and make recommendations for…
Yabber website launch
Rockstead Group has expanded its support for businesses with the launch of a wholly owned subsidiary, Yabber Global. Yabber has been created to satisfy a specific need for audit and…
Lending growth in an uncertain economic environment
The mortgage market never seems to stand still! On the funding side in the last few weeks we have seen further applications for banking licences, increases in funding lines and…
Peer-to-peer lending processes – calls for change!
It is often the case in emerging markets where new products are being developed, that regulation follows behind market innovations. For example, driverless cars exist and work, but no one…
Retirement Interest Only mortgages – are the risks being mitigated?
We have just hit the first anniversary of the FCA Consultation paper announcing the intention to create a new term, Retirement Interest Only Mortgages [RIOs], and to exclude them from…
Time to end “tick box” complaint handling processes
The FCA has recently published the findings of its review of complaint handling by non-deposit taking mortgage lenders and mortgage third party administrators. The results are far reaching and significantly…
Senior Manager & Certification Regime comes of age – what next?
It is just over 2 years since the FCA Senior Manager & Certification Regime [SM&CR] was implemented for banks and deposit takers. Since then, the regulator has continued to embed…
Behaviour and Culture of the Irish Retail Banks – a new Individual Accountability Framework
The Independent recently interviewed the Central Bank of Irelands’ Director General (Financial Conduct), Derville Rowland. The issue of culture in Irish banking institutions was considered at length and Rowland indicated…
Artificial intelligence [AI] in financial services
The FCA has announced details of its successful and catchily named ‘fourth cohort candidates’ in its sandbox. This allows firms to test innovative products in a live environment, while ensuring…
Mortgage Arrears – time to focus on policies?
The recent UK Finance arrears and possessions conference highlighted several action points for lenders and servicers. The underlying message, which mirrors current regulator themes is clear; organisations should use the…
Rockstead at Global ABS 2018 in Barcelona
Rockstead recently exhibited at Global ABS 2018 in Barcelona. We joined issuers, investors and other service providers in another successful annual ABS conference and took the opportunity to showcase our…
Meet the team at the 22nd Annual Global ABS in Barcelona: 5 – 7 June 2018
Rockstead are pleased to announce that we will be exhibiting at the 22nd Annual Global ABS conference, taking place 5-7 June 2018, in Barcelona, Spain. Over 3,500 leaders in…
Term Funding Scheme – planning for repayment
Robin Fieth, CEO of the Building Societies Association opened the 2018 BSA annual conference with a key note address outlining the building society successes in the current environment and highlighting…
10 Years On – Loan Portfolio Reviews
With several lenders using the acquisition of high-quality loan portfolios to support their growth aspirations, we are proud to have been involved with successful bidders for loan books for over…
