FDIC Proposes Rule to Amend Guidelines for Real Estate Lending Standards
Updated 09/08/2021
This tool summarizes the FDIC’s proposed rule to amend the interagency guidelines for real estate lending policies—also known as the Real Estate Lending Standards. The following are the key takeaways of the changes:
- The FDIC is issuing this proposal in response to changes in the type of capital information available after the implementation of CBLR, which does not require electing institutions to calculate tier 2 capital or total capital.
- The proposed revision to the Real Estate Lending Standards would allow a consistent approach for calculating loans in excess of the supervisory LTV Limits without having to calculate tier 2 or total capital as currently included in the Real Estate Lending Standards.
- The FDIC is proposing to amend the Real Estate Lending Standards only relative to the calculation of loans in excess of the supervisory LTV Limits due to the change in the type of capital information that will be available, and is not considering any revisions to other sections of the Real Estate Lending Standards so the changes to the standards will be minimal.
Members Can Download This Tool
Login to Download
Not Yet a Member?
Our members enjoy:
On-demand regulatory guidance hotline – by chat, phone and email – available from anywhere, on any device – 7 am - 6 pm, M-F, Central time
Research time saved daily & weekly across forms, checklists, and trainings — for every regulation
Hours of form-building and branding of bank documents saved; in some cases, even the budget of additional staff
A sounding board for support and reassessment when institutional goals or the regulatory environment changes
Access to attorneys and compliance specialists for risk modelling and decision-making in advance of large business decisions
The knowledge that C/A was created and owned by 30 State Bankers Association to provide bank compliance services to their membership organizations
Find out how a personalized team of attorneys and compliance professionals helps build targeted compliance strategies throughout your institution when you take our Live Membership Demo.