Abstract: A system and method for self-assessing a company's compliance with a preset regulatory framework. The system presents a plurality of questions that are based on particular regulatory requirements. In response to each question, the system receives an answer to each question, a measure of inherent risk associated with each question for the company, and a measure of control risk associated with each question for the organization. The system is then configured to calculate the residual risk associated with each question based on at least the received inherent risk and control risk. The system also allows a user to delegate a question to a second user and track the status of a question. In addition to delegating questions, the system provides for local help and help through communicating with a compliance expert.

Abstract: A quarterly index projects geographic market risk for 200 MSAs over the next four to eight quarters. The index ratings use a grading scale that ranges from 1 to 10. A score of 1 indicates that an MSA is very unlikely to experience further decline in the model variables, which include home prices, local economy, population stability, and mortgage delinquency trends. A grade of 10 indicates the greatest chance for future decline. For example, a score of a 10 would indicate that it would be a good time to pull out of a market; whereas, a score of a 1 indicates a market that is a good investment.