Latest LinkedIn posts by Ann Rutledge

The Impossibility of Capital Regulation

I’ve thought about this a lot. The more I contemplate the challenges of implementing a fair and effective system of capital regulation for credit risk, the more I appreciate its impossibility. First, a fair and effective system of capital regulation for ...

What Moody’s Settlement Means

First, it will cost Moody’s $864 MM plus other settlement-related expenses. The civil penalties are $437.5 MM, and $426.5 MM will go to the states that joined the Department of Justice, of which (so far) $12.7 MM goes to Indiana, $6.7 MM to Delaware, $19...

Housing Rules Too Burdensome? Here’s A Real Fix.

Ben Carson, in testimony for his Senate confirmation Thursday, said onerous housing rules caused inequality because “the wealthy have their pick of loans” while “those without credit are locked out.” Where have we heard this before? In ...

CreditSpectrum sells credit ratings and ratings-dependent credit analytics. We are associated with R&R Consulting, a partnership of the owners of CreditSpectrum who worked for Moody’s Investors Service until its IPO. We each have over 20 years’ experience in the structured credit markets. If you want credit for what your business does well, we want to be your rating agency. If you’re an institutional investor buying credit volatility because it’s the best proxy you can find for yield, we want to be your rating agency. If you can’t monetize the high quality capital on your balance sheet because other rating systems are unresponsive to risk, we want to be your rating agency. If your pension fund lost money buying structured securities in the Credit Crisis, tell them we want to be their rating agency!

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