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FDIC | RIN: 3064-AF72 | Publication ID: Spring 2021 |
Title: ●Real Estate Lending Policies | |
Abstract:
The FDIC is inviting comment on a proposed rule to amend the Code of Federal Regulations 12 CFR part 365, appendix A to subpart A, entitled Real Estate Lending Standards (RE Standards) in order to provide a consistent approach for calculating the ratio of loans in excess of the supervisory loan-to-value limits (LTV Ratios) at all FDIC-supervised depository institutions. The methodology in the proposed rule approximates the historical methodology the FDIC has followed for calculating these ratios without creating any regulatory burden. The proposed rule also avoids any regulatory burden that could arise if an FDIC-supervised depository institution subsequently decided to switch between different capital rules. In addition, the proposed rule would make conforming changes to the Community Bank Leverage Ratio rule. |
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Agency: Federal Deposit Insurance Corporation(FDIC) | Priority: Substantive, Nonsignificant |
RIN Status: First time published in the Unified Agenda | Agenda Stage of Rulemaking: Proposed Rule Stage |
Major: No | Unfunded Mandates: No |
CFR Citation: 12 CFR 365 | |
Legal Authority: 12 U.S.C. 1828(o) |
Legal Deadline:
None |
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Timetable:
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Additional Information: Email: comments@fdic.gov. Please include RIN 3064-AF72 in the subject line of correspondence. | |
Regulatory Flexibility Analysis Required: No | Government Levels Affected: None |
Federalism: No | |
Included in the Regulatory Plan: No | |
RIN Information URL: https://www.fdic.gov/regulations/laws/federal/ | Public Comment URL: https://www.fdic.gov/regulations/laws/federal/ |
RIN Data Printed in the FR: No | |
Agency Contact: Alicia Marks Examination Specialist Federal Deposit Insurance Corporation 550 17th Street NW, Washington, DC 20429 Phone:202 898-6660 Email: amarks@fdic.gov |