by Regitze Ladekarl, FRM | Jan 19, 2026 | Risk Report
US credit card rates should be capped at 10% for one year. Lenders have until January 20th, 2026, to comply. There is not very much more information about this, but the reasoning seems to be that fixing credit card rates at less than half of the current level will...
by Regitze Ladekarl, FRM | Jan 12, 2026 | Risk Report
This week marks a year since the devastating fires in Los Angeles. A year is a long time for those in Altadena and Pacific Palisades who were displaced and still do not have a home to return to. Between physical clean-up, financial resolution, and the accompanying...
by Regitze Ladekarl, FRM | Dec 22, 2025 | Risk Report
By definition, only the less smart criminals get caught. If you really think about it, that opens the possibility of many perfect crimes out there that we will never see in a limited series. On the other hand, if the indictment stands to proof, there is a good chance...
by Regitze Ladekarl, FRM | Dec 15, 2025 | Risk Report
Parents of young adults might be familiar with this dilemma: there are certain ways you don’t want your kids to get in trouble, so you can either outright ban the behavior with a very high likelihood the young’uns are going to do it anyway but (try to) keep it from...
by Regitze Ladekarl, FRM | Dec 8, 2025 | Risk Report
Can a financial institution call itself a bank without having a banking license, that is, be a Bank In Name Only (BINO)? Recently, the central bank of Brazil announced that using the word bank in the name requires permission and the fulfillment of particular capital...
by Regitze Ladekarl, FRM | Nov 17, 2025 | Risk Report
About a month ago, the Nobel Prize in Economics was awarded to Joel Mokyr, an economic historian, and Philippe Aghion and Peter Howitt, both economists, for their insights on how sustainable growth happens through creative destruction. Their work is centered on how,...
