FDIC Proposes Rule to Amend Guidelines for Real Estate Lending Standards
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.
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