Develop and implement a plan for instructing Community Banking Organization and Regional Banking Organization examiners to take a forward-looking view of a bank’s risk profile and the possible and plausible outcomes of that risk profile when assigning CAMELS composite and component ratings, including a. guidance for examiners on effectively balancing a bank’s financial results and condition with its risk profile when assigning CAMELS composite and component ratings, particularly for banks with concentrated business models susceptible to boom and bust cycles. b. guidance for examiners on circumstances that warrant a heightened sense of urgency to initiate CAMELS composite or component ratings downgrades, identify when a bank is exhibiting unsafe or unsound banking practices, or designate a bank as being in “troubled condition.” c. required training for examiners that reinforces the guidance developed as part of this recommendation, including scenarios that exemplify the challenges of assigning CAMELS composite and component ratings and the implications of potentially deferring composite or component ratings downgrades when a disconnect has developed between a bank’s financial condition and results and its escalating risk profile.