View Rule

View EO 12866 Meetings Printer-Friendly Version     Download RIN Data in XML

FDIC RIN: 3064-AF72 Publication ID: Fall 2021 
Title: Real Estate Lending Policies 

The FDIC is issuing a final 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 final rule approximates the historical methodology the FDIC has followed for calculating these ratios without creating any regulatory burden.  The final 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 final rule would make conforming changes to the Community Bank Leverage Ratio rule.

Agency: Federal Deposit Insurance Corporation(FDIC)  Priority: Substantive, Nonsignificant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 365   
Legal Authority: 12 U.S.C. 1828(o)   
Legal Deadline:  None
Action Date FR Cite
NPRM  06/25/2021  86 FR 33570   
NPRM Comment Period End  07/26/2021 
Final Rule  11/00/2021 
Additional Information: Email: 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:   Public Comment URL:  
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