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OTC Markets Blog

Latest commentary on Market Structure, Compliance, Small Cap and Reg A+ issues, including insights on the news and trends that affect the public markets.

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Reassessing Market Options During Uncertain Times

During times of uncertainty, many company executives find themselves evaluating their initiatives, priorities and expenses through a new lens.  In recent months, we’ve spoken with management teams as they wrestle with whether it makes sense to maintain their exchange listing on NASDAQ or NYSE, given the cost and complexity it creates for their teams. Continue reading “Reassessing Market Options During Uncertain Times”

Today’s State of the Community Banking Market: Five Topics Being Discussed Among Bankers

Wall Street vs. Main Street – the discussion of the differences between the two is age-old.  Throughout this COVID-19 Pandemic, OTC Markets Group has seen America’s community banks step up to support the small businesses in their local communities by providing loans and other much needed financial support. Continue reading “Today’s State of the Community Banking Market: Five Topics Being Discussed Among Bankers”

Before You Go Public on Pink

It is a common misconception that going public on the Pink market is a low cost, efficient way to gain visibility for your company, and in turn, establish liquidity. However, when you dig a little deeper, you find that cheaper is not always better and that it can add substantially more cost in the long run.  Regardless of your goals in the public markets, there are key factors including transparency, public perception and tradability that should be considered when evaluating your options. Continue reading “Before You Go Public on Pink”

Key Takeaways From Regulators’ Recent CECL Final Policy Statement

In late December, an interagency body of regulators closed the comment period for a set of proposed changes to the ever-evolving CECL standard.  Regulators have recently come back with their responses to industry comments in the form of the “Final Policy Statement for FASB ASC Topic 326” found here:  https://www.fdic.gov/news/board/2020/2020-02-20-notational-fr.pdf Continue reading “Key Takeaways From Regulators’ Recent CECL Final Policy Statement”

CBLR: A win for most, but time for the rest to move on

In November, the federal banking agencies jointly issued a final rule that provides for an optional, simplified measure of capital adequacy, known as the community bank leverage ratio framework (CBLR), for qualifying community banking organizations. The final became effective on January 1, 2020.

Continue reading “CBLR: A win for most, but time for the rest to move on”

By Putting UBPR and Call Reports Under the Microscope with Qaravan, Investors and Bank Stakeholders Can Gain Meaningful Insight Far Beyond Raw Data

The banking industry is unique in the amount of regulatory scrutiny it is subject to, much of which is in the form of self-reporting. Since legislation was passed in 1975 in response to the failure of two federally chartered institutions (United States National Bank and Franklin National Bank), every national bank, state bank, federal savings bank, federal savings association, and credit union is mandated by law to report highly standardized and detailed information about its operations to a central authority, the Federal Financial Institutions Examination Council (FFIEC).

Continue reading “By Putting UBPR and Call Reports Under the Microscope with Qaravan, Investors and Bank Stakeholders Can Gain Meaningful Insight Far Beyond Raw Data”

Regulation A 2019 Progress Report

Born out of the 2012 JOBS Act, Regulation A (Reg A) was amended to provide a streamlined pathway for companies to raise up to $50 Million while benefiting from general solicitation, ‘testing the waters’ and state Blue Sky preemption.  SEC reporting companies were originally excluded from using Reg A; however, in January 2019, the SEC adopted new rules to expand Reg A to SEC-reporting companies, enabling public companies to raise capital in a similar manner to a traditional IPO via an S-1 registration or an S-3 shelf registration. Continue reading “Regulation A 2019 Progress Report”

A Conversation with Qaravan Founder Tony Hodson

OTC Markets Group recently announced the acquisition of QaravanSM Inc., a leading provider of innovative  software and risk & performance analytics tailored to the banking industry.

We sat down with Tony Hodson, now the Senior Vice President of Market Data at OTC Markets Group, to learn more about how bank data and analytics have evolved over time. Continue reading “A Conversation with Qaravan Founder Tony Hodson”

CECL: Unpaved Road Ahead

The Genesis/Birth of CECL

After the 2008 financial crisis, much of the focus on the regulation of financial institutions shifted to mitigating systemic risk. This included an increased focus on stress testing and the recapitalization of institutions—both intended to help ensure solvency and insulate the global economy from further erosion. Continue reading “CECL: Unpaved Road Ahead”

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