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RealEstateRama S&P Enhances Its Review of Data Quality Practices for U.S. Residential Mortgage Originations
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NEW YORK, Oct. 10 /PRNewswire/ — Among the many factors contributing to the poor performance of recent vintages of U.S. residential mortgage-backed securities (RMBS), the two that are cited most often are stretched underwriting guidelines and home price declines. However, industry reports have also mentioned fraud at the origination stage. It's important to note that rating opinions are neither audits nor due-diligence reviews of mortgage originators. Yet, in light of industry reports questioning origination practices, it's increasingly important for both mortgage originators and RMBS issuers to be able to demonstrate appropriate data quality — in other words, to have proper practices for addressing fraud prevention and detection. Standard & Poor's Ratings Services is undertaking an analysis of data quality capabilities as part of its conduit and originator reviews.
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Recently, we sent the top 25 RMBS issuers a questionnaire about their respective practices and capabilities for detection and management of fraud in the origination process. We constructed the survey to help us gain a greater understanding of the procedures and controls that lenders use in their origination practice, including underwriting procedures and processes for approving and monitoring mortgage brokers and appraisers. This is only the first step. We intend to send this questionnaire to a larger set of RMBS issuers and originators. We will analyze this information, and if appropriate, publish the relevant findings. In addition, the information we obtain may ultimately have a bearing on our opinions of mortgage loan performance in the future.
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In general, members of the mortgage industry report fraudulent activity to the Mortgage Asset Research Institute (MARI) to be included in its MIDEX national fraud database. A study released in May 2007 shows the number of fraud reports pertaining to 2006 originations is approximately 30% higher than in the 2005 vintage at the same time last year. It also shows that the most common types of fraud in underwriting are statements about borrower income and employment. Therefore, we highlighted the procedures for verifying this information in our questionnaire.
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Control and mitigation of fraudulent activity are even more complicated when independent mortgage brokers have originated a considerable portion of the mortgages in a portfolio. Preliminary conversations with industry participants indicate that misrepresentations and data-quality issues are more common for broker-originated loans than for loans originated through the retail channel. The limited amount of oversight on brokers and the absence of regulation of their business may have led to increased incidents of fraud as both brokers and borrowers have incentives to close on the loan.
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These issues become more acute when coupled with excessive home price valuations, or "inflated appraisals," in which appraisers face pressure to meet the value needed to "get the deal done." The mortgage market has for some time been evaluating the extent to which properties may have been appraised at artificially high values.
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Over the past couple of years, we've seen an increase in the number of automated tools to help prevent and detect fraud in the sector as well as the advent of risk management firms that advise on risk mitigation mechanisms. Some of these tools include products that:
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— Validate income;
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— Search for red flags in areas such as identity, occupancy, and valuation;
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— Detect flips, straw buyers, and other schemes;
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— Determine asset reasonableness; and
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— Assign fraud scores.
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Using these risk management tools during a prefunding audit may help originators identify loans that may need additional focus and review before funding. Standard & Poor's has been meeting with various risk management companies to better understand the available products and how originators use them.
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We support efforts to increase transparency and data accuracy in the residential mortgage markets, understanding that, as in all markets, fraud mitigation is a key concern. We hope that our data-quality survey will provide additional information and transparency in the marketplace.
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Standard & Poor's, a division of The McGraw-Hill Companies (NYSE: MHP), is the world's foremost provider of financial market intelligence, including independent credit ratings, indices, risk evaluation, investment research, and data. With approximately 8,500 employees, including wholly owned affiliates, located in 21 countries, Standard & Poor's is an essential part of the world's financial infrastructure and has played a leading role for more than 140 years in providing investors with the independent benchmarks they need to feel more confident about their investment and financial decisions. For more information, visit http://www.standardandpoors.com.<eot>Large Pictures For Living Room Tags : Small Living Room Furniture Arrangement For Spaces Grey And Blue
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Large Pictures For Living Room Tags
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Home > Large Pictures For Living Room Tags
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Lula Gill Living Room, 2018-09-18 23:22:00.Another popular option among ceiling lighting now is pendant light, which might be an easy world light suspended in the ceiling or a elaborate chandelier with a number of globes and stone dangling from a equally decorated bracket. From pool tables to dining places, pendant lighting supplies enough lighting, while producing a few setting. A vast array of pendant light styles and sizes could be understood in just about any shop.<eot>EEA payment and e-money institutions after Brexit: CP21/3 – The Payments Association
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As an institution under the TPR, it's important to understand your obligations as an FCA regulated business and adapt your systems and controls and policies and procedures accordingly.
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We have numerous resources available on our website to help you understand the UK obligations, such as our upcoming webinar 'Safeguarding for EEA firms under the Temporary Permissions Regime (TPR)'.<eot>Running effective Google Ads Campaigns for your business is challenging. Take back your time and enjoy the benefits of effective campaigns for your business.
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Schedule a Call
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If your business needs more leads from people looking for services you offer, we can help. Whether you have a long or short sales cycle, we can get your name and ads in front of your next customer just as they are Googling your services.
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Why would that matter?
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You will have a massive advantage over your competitor. Google Prioritizes paid ads and will place your ad above organic results, which gets your message and contact information in front of your next customer before your competitor does.
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To run effective campaigns, we have to understand who you are and how your business works. With this information, we can recommend the following steps to move forward.
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With an approved plan in hand, we get to work creating effective Marketing Campaigns.
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3. Optimize and perfect
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Marketing isn't a one-time event. We work each month to ensure you reach your marketing goals and optimize your campaigns to get you the best possible ROI.
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How do I know this will work?
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We use Google's platform, experience, and specialized tools to ensure you're getting the best ROI, and we show you through easy-to-understand reports. You won't have to hope that your ads are working. We will show you that they are. If your ads aren't effective, we will discuss your options and help you pivot to a new plan. We aren't happy until your ads make you the most money possible.
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Schedule a Call
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Shouldn't we be doing this in-house?
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If you've ever run Google Ad campaigns you know there is a steep learning curve. There are also a lot of pitfalls and mistakes that you make along the way. You and your marketing staff end up wasting a lot of time and money. So no, most businesses should not be running their own Google Ads "in-house." Unless you enjoy donating money to Google.<eot>June 2009 - Artemis.bm - The Catastrophe Bond, Insurance Linked Securities & Investment, Reinsurance Capital, Alternative Risk Transfer and Weather Risk Management site
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Since we began the Artemis blog one of the topics which has interested us, and hopefully our readership, is the innovation occurring in the re/insurance and risk transfer markets as they seek to provide mechanisms for people in developing nations to hedge and protect themselves against weather extremes. The development read the full article →
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The CEIOPS report that I wrote about yesterday contains some interesting insight into how the Committee of European Insurance and Occupational Pensions Supervisors sees Solvency II affecting the insurance linked securitization market, they consider the 2012 implementation of the new regulatory framework to be key for ILS.Not only will Solvency read the full article →
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CEIOPS publishes report on insurance-linked securitization
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CEIOPS, the Committee of European Insurance and Occupational Pensions Supervisors, has published a report on securitization in the insurance sector today. The report looks at the market as it is today, how insurance linked securities have become a part of the wider alternative risk transfer mix, how the market developed read the full article →
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Further details on the structure of Munich Re's Ianus Capital Ltd. catastrophe bond have been released through the press release of EQECAT Ltd. The full press release is below.EQECAT, Inc. provided risk modeling to Munich Re in the issuance of a €50m catastrophe bond transferring European winter storm and read the full article →
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A few more details have come to light on the Swiss Re Calabash Re III deal through the press release from risk modelling agency Risk Management Solutions (RMS). The full press release is below.Risk Management Solutions (RMS) has completed the expert modeling analysis in connection with the securities offering undertaken read the full article →
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The UK Met Office has released it's forecast for the 2009 Atlantic hurricane season. Interestingly they have come forth with the tamest prediction I have seen for many years. The Met Office have predicted only six named tropical storms in the 2009 season. That's lower than any other recognised forecaster read the full article →
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Allianz backs Water Stress insurance product launched in Australia
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Allianz is underwriting a new form of crop weather insurance that's been launched in NSW Australia by Primacy Underwriting Agency. The new YieldShield product is designed to protect grain growers against water stress conditions caused by too much or too little rain. This will allow farmers to protect against both read the full article →<eot>The World Economic Forum's 48th Annual Meeting: Creating a Shared Future in a Fractured World | EuropaWire.eu
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Posted on 17, January 2018 by EuropaWire PR Editors | This entry was posted in Economy, Environment, Government, Politics, Society, Technology, United Kingdom and tagged Alain Berset, Cyril Ramaphosa, divisions, Donald Trump, economy, Emmanuel Macron, Environment, Jean-Claude Juncker, Justin Trudeau, leaders, Liu He, Mauricio Macri, Michel Temer, multiconceptual, multipolar, Narendra Modi, Paolo Gentiloni, Professor Klaus Schwab, SECURITY, The World Economic Forum, Theresa May. Bookmark the permalink.
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Unprecedented participation expected from global leaders including 70 heads of state or government and 38 heads of major international organizations as well as the largest proportion of women leaders ever
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Meeting will focus on reinvigorating international collaboration as a way of solving shared challenges in an era increasingly defined by societies under strain and competition between nations
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For more information about the Annual Meeting, www.weforum.org
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Follow us on all digital platforms here
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GENEVA, 17-Jan-2018 — /EuropaWire/ — The World Economic Forum's 48th Annual Meeting will take place on 23-26 January 2018 in Davos-Klosters, Switzerland, bringing together a record number of heads of state, government and international organizations alongside leaders from business, civil society, academia, the arts and media.
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← Vital components of the Deep Underground Neutrino Experiment (DUNE) detectors constructed in the UK and have now been shipped to CERN
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Medtronic's Neurovascular business unit received U.S. FDA clearance of the Riptide(TM) Aspiration System →<eot>In recent years, with the rapid growth of China's economy, the consumption channels of domestic environment are becoming more and more mature. With the industrial upgrading of consumption, the diversified fraud means and the rise of human cost, the existing fraud prevention means have been difficult to meet the needs of refined management. It is urgent to establish an omni-channel anti-fraud system based on fraud model. In combination with the existing fraud means for different channels, businesses and media in the market, Chinasoft International analyzes the specific features and types of fraud, provides the capture and identification model and process of transaction fraud, and constructs a complete fraud management system by combining quantitative analysis and qualitative analysis.
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In order to provide complete and efficient data support for fraud strategy model judgment, we need to connect transaction data of all channels in real time, collect transaction data and parameter data and behavior data in bulk, complete data collection, pre-screening, clearing and processing of transaction subject.
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Multi-layer data model
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Filter risk transactions through the list, complete the preliminary judgment of transactions with multi-channel complex rules, analyze the features of transactions by behavioral habits, and complete the final transaction risk level judgment of fraud rating;
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Multi-dimensional security policy
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Different risk level transactions match different levels of security policy. Through SMS, transaction suspension, telephone contact with the trader, case investigation and other different means to control the fraud transactions, and feedback the processing results to the existing model to form a closed-loop feedback process.
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Rich practical experience: more than 50 anti-fraud cases have been implemented since 2004, with rich implementation experience
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Advanced solutions: for banks and financial institutions to recover a large number of losses caused by fraud in the event and after the event;
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Stable professional team: stable multi-layer teams includes demand team, development team, product team, expert team, etc., making guarantee for the smooth implementation of the project;
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Sophisticated after-sales service mechanism: all teams of the company complete the problem positioning, troubleshooting and consulting through on-site support, telephone communication and other ways.<eot>Disclosure: If you make a purchase via a link on this site, I may receive a small commission, and as an Amazon Associate I earn from qualifying purchases. See the Disclosure page for more information. Thank you!
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Home > Sleep Disorders > A Look At Sleep Apnea Medication
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A Look At Sleep Apnea Medication
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Sleep apnea medication is really an illusion. There is no pharmaceutical treatment as such for obstructive sleep apnea. The only effective treatment is the use of a CPAP machine or other device to help keep the airways open during sleep or, in severe cases, surgical intervention to remove or lessen any existing obstructions. There are, however, some medications that can be used to treat the daytime sleepiness that is a frequent symptom of sleep apnea.
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In sleep apnea, the airway becomes restricted during sleep, causing the affected individual to stop breathing for several seconds at a time. This can happen frequently during the night and usually when these episodes occur, they cause the individual to wake up. The result is getting fitful or restless sleep, which can leave an individual feeling groggy or sleepy during the day.
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As this pronounced daytime sleepiness can lead to impaired concentration, making it difficult to go about your daily routine, it can become very disruptive. This is why so many individuals have sought a sleep apnea medication. Several stimulant medications, including nicotine, theophylline, naloxone, and acetazolamide have been used to try and enhance dilation of airways and avoid breathing disruptions, but none have been entirely successful.
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In the case of daytime drowsiness brought on by sleep apnea, however, there is one very effective medication: modafinil (Provigil). Though scientists don't understand how modafinil works, we do know that it causes increased alertness and doesn't carry any pronounced side effects. Unlike more common stimulant drugs, there doesn't seem to be any effect on the heart or blood pressure with modafinil, which makes it the drug of choice for these individuals.
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YakobchukOlena / stock.adobe.com
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Perhaps the best "sleep apnea medication" involves a healthy diet, exercise, and weight loss.
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YakobchukOlena / stock.adobe.com
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Perhaps the best "sleep apnea medication" involves a healthy diet, exercise, and weight loss.
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Although it has been very effective at treating daytime drowsiness, doctors are quick to emphasize the fact that modafinil is not a sleep apnea drug. It should not be considered a cure and certainly should not be used in place of CPAP treatment. Because the side effects of obstructive sleep apnea are potentially lethal, it is extremely important that you don't cut any corners when it comes to treatment. It can quite literally be a matter of life or death.
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Other Drugs May Treat Symptoms But Are Not A Sleep Apnea Medication
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Other central nervous system stimulants can be used to combat daytime drowsiness by increasing alertness. These include caffeine and methylphenidate (Ritalin), both of which are often prescribed for sleep disorders such as narcolepsy. They can also be useful for individuals with sleep apnea to help battle drowsiness and improve alertness during waking hours.
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Of course, as with any condition, sleep apnea medication and treatment should never be used except under a doctor's care. If you are experiencing the symptoms of obstructive sleep apnea, you should talk to your doctor right away so that you can have testing done and get a proper diagnosis. Then your doctor will be able to discuss treatment options with you and together you can discover a safe and effective treatment plan that works for you.
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The Best "Sleep Apnea Medicine" May Be A Healthy Lifestyle
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Since there is a correlation between obstructive sleep apnea and obesity, perhaps the best "sleep apnea medication" involves dietary changes and increased exercise. There is also a connection between sleep apnea and diabetes, both of which correlate with obesity.
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While not all patients with sleep apnea are obese and there is no guarantee that losing weight will cure sleep apnea it is still a good idea to maintain a healthy weight, eat nutritious foods, and get regular exercise even if just for the many other benefits that accrue from a healthy lifestyle. Given that these are serious and potentially life-threatening medical conditions one should always see their doctor before undertaking drastic dietary changes or starting an exercise regimen.
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Sleep apnea can be a frightening condition and its effects, if left untreated, can take over your life. While there is no "miracle pill" that can cure this condition, it is possible to control the symptoms of sleep apnea with some medications, and lifestyle changes. Don't let sleep apnea get the better of you; talk to your doctor today and find out what you can do to fight back and sleep well.
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Related Articles:
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What Is Sleep Apnea?
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Weight Gain Sleep Apnea Connection
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The Connection Between Sleep Apnea And Diabetes
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Sleep Apnea Cures
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Can Sleep Apnea Cause Death?
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