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Regulatory

Our on-staff experts are always ready to help.

The regulatory requirements for financial institutions stay in a constant state of change, and there’s always a chance that something in the non-stop flow of new provisions and guidance letters might apply to our products and customers. That’s why we have staff whose only job is to keep up with the applicable rules – and help our subscribers do the same.

As QwickRate adds new services and offerings, we continue to expand the regulatory expertise we share. In prior years, we focused mainly on non-brokered funding and investing. We now shed light on other matters ranging from credit stress testing to estimation of CECL losses to cybersecurity for community institutions.

Regulatory answers on the nationwide CD market.

Read more about the Director of our Regulatory and Compliance department.

Debbie joined QwickRate in 1988 during a time of regulatory restructuring that was prompted by upheavals in the banking industry. As new rules and requirements were discussed and enacted, Debbie communicated closely with the regulatory agencies about how the changes would impact financial institutions and their activity in the national CD marketplace. She has continued and expanded these activities ever since. Debbie meets frequently with the FDIC and conducts conferences with various state and national field examiners. In addition, she participates in Webinars and conferences held by QwickRate, banking and regulatory agencies, and financial institution associations across the country. However, her number one priority is to personally offer answers and guidance to QwickRate subscribers who need help with regulatory matters pertaining to the nationwide non-brokered CD market. Debbie holds a Bachelor of Business Administration in finance degree from Kennesaw State University.

Areas of concentration

  • Interpreting the impact of proposed and enacted regulations that may affect non-brokered funding and QwickRate subscribers.
  • Meeting regularly with the FDIC and other regulatory representatives to further the understanding and application of direct national market CD funding.
  • Evaluating proposed regulations and providing insights to subscribers about newly introduced measures that impact non-brokered CD funding activities.
  • Participating as a featured industry speaker and panel member on industry subjects such as contingency funding, Community Investment Program (CIP) deposit classification, Direct Deposit Listing Services, etc.
  • Answering questions and providing clarifications to QwickRate subscribers regarding regulatory matters related to out-of-market deposits.

Articles and publications

  • The QwickRate Risk Management Workbook
  • Contingency Funding Plans: Common Misconceptions and How to Avoid Them
  • Clearing up the Confusion: Brokered vs. Non-Brokered Deposits
    View articles

Industry engagements

  • Financial Managers Society Finance and Accounting Forum - Conference
  • ICBA LIVE National Convention - Conference
  • Illinois Division of Banking – Webinar
  • Tennessee Department of Financial Institutions – Conference
  • Georgia Department of Banking and Finance – Webinar
  • FDIC Regional Directors – Webinar
  • Federal Reserve Bank Richmond – Webinar
  • FDIC Kansas City Region Accounting and Capital Markets – Conference

Debbie Walker

Debbie Walker
Director of Regulatory and Compliance

Our Satisfied Customers

“Regulators have always trusted QwickRate to be a reliable source of funding. We have shown them renewal rates for QwickRate CDs, and they have been impressed with the retention rates. Also, we used QwickRate’s sample regulatory language and guidance in our Liquidity and Contingency Policies/Plans and regulators have reacted favorably.“

Louisa Community Bank
Louisa, Kentucky

“We have been very pleased with the speed at which we can raise money or deploy our excess funds in QwickRate. Their people are very knowledgeable in the area of regulatory requirements, and they provide phenomenal customer service and support.“

Neil Hayslett, EVP/CFO
Farmers & Merchants Bank

“Both the Federal Reserve and our state regulators have been very complimentary about our credit stress test. They remarked that the test made sense, is based on good logic, and is very easy to read and track.“

Perry Haralson, CFO
Cornhusker Bank
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