Capital Adequacy
Help meet capital adequacy requirements with consumer credit and property data from a single source.
How We Help
Allowance for Loan and Lease Losses (ALLL)
Facilitate compliance and ensure valuable capital is not unnecessarily sidelined through precise allowance calculation of the loan portfolio.

The ALLL solution can be used for:

- Portfolio reviews for capital allowance
- Compliance with ALLL, CCAR, Basel III, etc.
- Acquisitions and mergers
- Marketing and cross-sell opportunities
Help your business obtain the necessary historical loan performance data and insights for CECL compliance

SmartReserve™ from Equifax offers flexibility for benchmarking and assumption setting using historical performance by product, geography, score range and vintage for CECL analysis.
Need More Information?