There are, of course, specific elements, such as those for cyber defences, that form part of a checklist for all institutions: (1) Network plans with appropriate and (2) multi-level security areas, (3) contingency plans and (4) a well-conceived update management system.
11  These estimates are smaller than the estimates in the March 2013 Mortgage Bankers Association speech because capacity constraints appear to have become less severe in recent months (see Duke, “Comments on Housing and Mortgage Markets,” in note 1). These estimates are for the period from February 2011 to February 2013.