View Rule

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.