THE RISK DESK

The briefing for people who own the credit decision.

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MORE ANALYSIS
Model risk governance framework under SR 26-2 and OCC 2026-13 replacing SR 11-7
Models
SR 26-2 / OCC 2026-13: The Practical Guide to What Replaced SR 11-7

"The annual revalidation is dead" is the least interesting thing about SR 26-2. The real shift: from a calendar to a risk-based regime you have to defend.

June 8, 2026
⏱ 18 min read
Underwriting
Reading the K-Shaped Portfolio: Why Aggregate Delinquency Is Lying to You
June 8, 2026
Underwriting
The Student Loan Contagion Thesis: Why 25% Delinquency Is Everyone's Problem
June 8, 2026
Profession
State of the Risk in Lending Job Market in 2026
June 8, 2026
Underwriting
The Re-Underwriting Operating Model on One Page
June 8, 2026
Underwriting
The Open-to-Buy You're Not Reserving For: Line Discipline When Limits Outrun Balances
June 8, 2026