With the release of the new Accounting Standard Update issued by the Financial Accounting Standards Board, ARCSys created the ACL (Allowance for Credit Loss) Calculator. This proprietary software is designed to minimize and simplify the workload required to adhere to the new regulations regarding FAS 5 and FAS 114, all while maintaining ongoing compliance with FASB Standard.

Operating as a software-as-a-service Web-based platform, the software is compatible with any operating system, making data integration from any institution's core processor(s) possible. 

The driving force behind the ACL Calculator is the Criteria Tables. For any variable that is downloaded, a table can be added using a single variable, a range of variables or multiple variables, each with different risk factors. This gives the user control in applying additional loss factors to either an entire segment, class or to a particular loan. 

In addition, the ACL Calculator addresses every aspect of the new Standard for loan and lease losses; portfolio segments, classes, calculation reports, financial disclosures, troubled debt restructurings and external qualitative criteria variables. The software provides detailed calculation reports for each of the institutions portfolio segments and has the capability to apply historical loss rates to segments and sub-segments or classes.