http://www.institutionalriskanalytics.com Welcome to the RSS feed for "The IRA Analyst", the weekly information newsletter of Insitutional Risk Analytics. en-us info@institutionalriskanalytics.com finance RSS 2.0 generation class http://blogs.law.harvard.edu/tech/rss http://us1.irabankratings.com/pub/IRAstory.asp?tag=512 30-Jan-2012 (This is most recent IRA Analyst edition.) - In this issue of The Institutional Risk Analyst, John Mousseau of Cumberland Advisors opines on the results in the muni market during 2011 and talks about the year ahead. John is a portfolio manager and heads the tax-free Muni section of Cumberland. He is a member of the Management Committee of Cumberland. http://us1.irabankratings.com/pub/IRAstory.asp?tag=511 23-Jan-2012 In this issue of The Institutional Risk Analyst, IRA Vice Chairman Christopher Whalen reviews some reader comments. http://us1.irabankratings.com/pub/IRAstory.asp?tag=510 15-Jan-2012 In this issue of The Institutional Risk Analyst, IRA CEO Dennis Santiago looks at the continuing retreat of private capital from the US economy and discusses issues facing Main Street's commercial bankers and Wall Street's capital formation specialists. Using the powerful resolution of IRA's Bank Monitor, Dennis extracts and explains his take on the numbers that continue to move our private economy -- even as policy makers seem oblivious to the inevitable. http://us1.irabankratings.com/pub/IRAstory.asp?tag=509 10-Jan-2012 In this issue of The Institutional Risk Analyst, IRA Vice Chairman Christopher Whalen argues that the Fed should be talking about housing and doing so more often. But FRBNY President Bill Dudley and Moody's economist Mark Zandi need to give credit in their speeches to former FDIC Chairman Sheila Bair. Chairman Bair years ago described most of the policy steps for which Dudley and others now claim authorship. http://us1.irabankratings.com/pub/IRAstory.asp?tag=508 4-Jan-2012 In this issue of The Institutional Risk Analyst, we ask the question everybody wants us to talk about, namely where is the banking industry headed in 2012. http://us1.irabankratings.com/pub/IRAstory.asp?tag=507 19-Dec-2011 This issue of The Institutional Risk Analyst features an important comment by Leland R. Miller, Managing Director and co-founder of Avascent International, a global investment risk advisory firm, as well as Fellow in International Economics at the American Foreign Policy Council. The story he tells of growth in China funded by loans from state sector banks confirms that the US and Europe are not the only major markets with excessive debt levels. http://us1.irabankratings.com/pub/IRAstory.asp?tag=506 12-Dec-2011 In this issue of The Institutional Risk Analyst, we ask a question that ought to be top of mind for all Americans - namely whether the US government and particularly the Federal Reserve System should be bailing out the Old Man of Europe once again. And to help us answer that question, we went to the nation's leading expert on the constitutionality of the role currently being played by the Fed, Walker Todd. http://us1.irabankratings.com/pub/IRAstory.asp?tag=505 28-Nov-2011 The path of economic interest is strewn with casualties, what some analysts call collateral damage. In this issue, we look at the who is looking out for whom and ask the question of whether or not something other than the relatively narrow interests of central government and corporate management need to be taken into account in the greater scheme of restoring confidence in the financial system. http://us1.irabankratings.com/pub/IRAstory.asp?tag=504 15-Nov-2011 In this issue of The Institutional Risk Analyst, we feature a comment by Fred Feldkamp, a retired partner of Foley & Lardner LLP in Detroit. In 1973, Mr. Feldkamp provided the legal basis for Foley's pioneering bankruptcy opinion that permitted issuance of America's first rated private mortgage-backed security in the post-Depression era. Throughout the years, he has provided creative legal advice to support numerous securitization innovations. http://us1.irabankratings.com/pub/IRAstory.asp?tag=503 9-Nov-2011 In reality, many media producers right now have no idea how or to whom their work will be sold or licensed and for how much. They must use the paradigm of the past to describe a brand-new financial landscape that is both unknown and uncharted. Welcome to the new media economy. http://us1.irabankratings.com/pub/IRAstory.asp?tag=502 1-Nov-2011 In this issue of The Institutional Risk Analyst, we ignore the collapse of MF Global and the latest machinations of former Goldman Sachs (GS) partner Jon Corzine. Before leading MF Global to its doom, Corzine presided over fiscal chaos as governor of New Jersey. So the masters of the universe are human after all. When will people learn that the Boys from Broad Street are not the best bankers in the world? They just have the brazen hutzpah to ask for the big money in return for access to the game. http://us1.irabankratings.com/pub/IRAstory.asp?tag=501 25-Oct-2011 In this issue of The Institutional Risk Analyst, we speak to Neil McCarthy at the Renzulli Law firm in New York about the latest development in the Countrywide mortgage put-back litigation involving Bank of America and Bank of New York. http://us1.irabankratings.com/pub/IRAstory.asp?tag=500 19-Oct-2011 In this issue of The Institutional Risk Analyst, co-founder Christopher Whalen argues that a combination of the FDIC and smaller banks are part of the answer to the housing crisis, both in terms of refinancing performing borrowers and dealing with under water and defaulted properties. We also feature an excerpt from the work of George Bernard Shaw as a means of political relief for the common misery. http://us1.irabankratings.com/pub/IRAstory.asp?tag=499 12-Oct-2011 In this issue of The Institutional Risk Analyst, we feature a comment by Richard Alford on the "Taylor Rule," a formula developed by Stanford economist John Taylor. This supposed "rule" for guiding US monetary policy is the latest evolution of the neo-Keynesian socialism which has passed for serious economic thinking inside the Fed for more than half a century. John Taylor owes every man, woman and child in the US an apology. Enjoy. - The IRA http://us1.irabankratings.com/pub/IRAstory.asp?tag=498 9-Oct-2011 In this issue of The Institutional Risk Analyst, we visit with Emmy award winning composer, City College and NYU professor, copyright expert and media analyst for Fox Business Michael Whalen about the near future for the business of creating and delivering content. Ten years ago, Michael make his bull call on Apple Computer ("AAPL") based on his vision of the advent of the world of new media. Mark-to-market, we start be asking how his predictions of last year panned out. http://us1.irabankratings.com/pub/IRAstory.asp?tag=497 3-Oct-2011 In this issue of The Institutional Risk Analyst, we start by noting that the conforming loan limit for GSE wrapped loans has fallen back down to pre-crisis levels, one of a number of deflationary changes that are going to ripple through the financial system in coming months. http://us1.irabankratings.com/pub/IRAstory.asp?tag=496 26-Sep-2011 In this issue of The Institutional Risk Analyst, we provide a how to roadmap for the restructuring of Bank of America, this in response to a number of yowls of protest, spurts of indignation and outright do-not-knows. http://us1.irabankratings.com/pub/IRAstory.asp?tag=495 21-Sep-2011 This week in the Institutional Risk Analyst, we do a short rant on the 2H 2011 outlook for financials and ask whether further deflation does not mean a mixed road ahead for some banks. http://us1.irabankratings.com/pub/IRAstory.asp?tag=494 13-Sep-2011 In this issue of The Institutional Risk Analyst, we ponder the lack of public disclosure by Bank of New York Mellon with respect to the allegations of wrong-doing by the State of New York regarding its role as trustee for hundreds of RMBS. http://us1.irabankratings.com/pub/IRAstory.asp?tag=492 1-Sep-2011 In this issue of The Institutional Risk Analyst, we discuss the Q2 2011 bank stress index results. Then we give you our thoughts in what the Financial Stability Oversight Counsel needs to hear on Bank of America. http://us1.irabankratings.com/pub/IRAstory.asp?tag=491 11-Aug-2011 This week in The Institutional Risk Analyst, we take a look at the latest week of inaction and indecision on the part of the leaders of the G-20 nations. Never has doing absolutely nothing taken so much time and garnered so much market and media attention. Then we ask whether Barack Obama, finger puppet of one Robert Rubin, is planning another big idea. http://us1.irabankratings.com/pub/IRAstory.asp?tag=490 2-Aug-2011 In this issue of The Institutional Risk Analyst, we feature a summary of a paper by David E. Woolley, a California Licensed Land Surveyor and Certified Fraud Examiner, who is a principal of Harbinger Analytics Group in Tustin, CA. But first a rant on the furious inaction of the past week. http://us1.irabankratings.com/pub/IRAstory.asp?tag=489 21-Jul-2011 In this issue of The Institutional Risk Analyst, we talk about how the housing GSEs and the largest banks are blocking the economic recovery by denying Americans from refinancing their home mortgages. http://us1.irabankratings.com/pub/IRAstory.asp?tag=488 14-Jul-2011 This week we republish an important article by Christopher Laursen, NERA Vice President, on bank trading under the Volcker rule. And we ask whether Fed Chairman Ben Bernanke knew he was saying about the conforming loan limit yesterday before the House Financial Services Committee. http://us1.irabankratings.com/pub/IRAstory.asp?tag=487 7-Jul-2011 This week in The Institutional Risk Analyst, we feature a conversation with FDIC Chairman Sheila Bair as she nears the end of her term. Bair has been in and out of public service for three decades, including working for Congress, the Treasury and lastly the FDIC. She spoke to IRA co-founder Chris Whalen before the July 4th break. http://us1.irabankratings.com/pub/Catalog.asp 3-Feb-2012 IRA has been publishing commentary on banking and finance since 2003. This link takes to you a catalog page of all these articles. http://us1.iracorpfilings.com/SEC/SEC_RECENT.asp?x=K 3-Feb-2012 Check on recent SEC filings with one click from your RSS reader. These lists are updated daily from the SEC EDGAR Accession file. This is an example of a component from IRA's Enterprise Tools suite. http://us1.irabankratings.com/mobile/home.asp 23-Jan-2012 Still have not discovered that you already have a powerful analytics terminal in the palm of your hand? If you have an iPhone, Android, Blackberry or other browser capable mobile device, you can use the IRA mobile app. You can read the latest IRA Analyst Newsletter on your phone using this app. Users of the IRABankRatings.com and Professional IRA Bank Monitor can even see their full reports in their phones. Click on the link to go to it now. http://us1.irabankratings.com/demo/banklooklist.asp 23-Jan-2012 Look beyond the headlines of Wall Street and see what banks real people are interested in. This link takes to you a page showing the 50 most recently requested bank demo pages on the IRA system. http://us1.institutionalriskanalytics.com/www/index.asp?submit=WhatsNew 23-Jan-2012 Stay up to date on business developments at IRA. What we are working on. Where we are meeting, greeting and speeching. http://us1.irabankratings.com/pub/Forensic.asp 23-Jan-2012 According to Credit Risk Monitor, IRA has been 97% accurate indicating stress and risk at banks that eventually failed. A track record good enough for CRMZ to license IRA Counterparty Quality Scores for display alongside FRISK measures for corporate credit risk uses. http://us1.institutionalriskanalytics.com/xbrl_parser/index.asp 23-Jan-2012 The SEC has mandated that companies file Exhibit 101 Interactive Data supplements as part of financial reporting. This opens a new level of direct acess to evidentiary grade data for analytics by the financial community. Join IRA in our work to learn how to make use of this emerging commodity resource. This is a live reader that is actively surveying the SEC EDGAR system for new xbrl filings. http://us1.irabankratings.com/Cart/Request.asp 23-Jan-2012 The tool that government agencies, banks, industry compliance programs, corporation treasurers and individual depositors use to keep track of risk and stress in the banking industry. Census grade coverage. Leading, current and regulatory risk indicators. Tracks stress linearly deeper into the degradation curve. If your money is exposed, you need to cross check with this tool.