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Models

SR 26-2 / OCC 2026-13: The Practical Guide to What Replaced SR 11-7

June 8, 2026

"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.

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Model risk governance framework under SR 26-2 and OCC 2026-13 replacing SR 11-7
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Chart showing divergent delinquency rates across credit segments illustrating the K-shaped portfolio effect
Underwriting

Reading the K-Shaped Portfolio: Why Aggregate Delinquency Is Lying to You

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

June 2, 2026
Visualization of student loan delinquency cross-product contagion spreading to card and auto credit portfolios
Underwriting

The Student Loan Contagion Thesis: Why 25% Delinquency Is Everyone's Problem

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

June 2, 2026
Credit risk and lending job market trends in 2026 showing AI-driven bifurcation between specialist and displaced roles
Profession

State of the Risk in Lending Job Market in 2026

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

May 30, 2026
Continuous re-underwriting operating model one-page framework with signal-to-action matrix and SR 26-2 governance
Underwriting

The Re-Underwriting Operating Model on One Page

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

May 30, 2026
Credit line discipline framework showing open-to-buy exposure risk when limits outrun balances
Underwriting

The Open-to-Buy You're Not Reserving For: Line Discipline When Limits Outrun Balances

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

May 30, 2026
Fair lending audit framework for identifying no-mortgage proxy misidentification of paid-off homeowners as renters
Regulation

The Renter You Think You Have Is a Paid-Off Homeowner: Auditing the No-Mortgage Proxy Before July 21

Expert perspectives, industry analysis, and practical guidance to help organizations navigate uncertainty, manage risk, and build resilient operations.

May 30, 2026