December 2025

OCC moves to limit toughest standards to megabanks

Key insight: The OCC is proposing relaxing its toughest category of supervision, limiting the heightened prudential standards to only the very largest firms. Processing Content Supporting data: The rule would raise the asset threshold from $50 billion to $700 billion, cutting the number of covered banks from 38 to eight. Forward look: The move makes […]

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Non-QM mortgages secure JP Morgan’s latest RMBS, offering $587.6 million

Non-qualified mortgages will secure the latest J.P. Morgan mortgage issuance, as the J.P. Morgan Mortgage Trust 2025-NQM5 comes to market with $587.6 million in residential mortgage-backed securities. Processing Content According to Fitch Ratings and Morningstar DBRS, which assessed the deal, the collateral pool is secured by a pool of all first lien mortgages diversified by

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