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OCC Bulletin
March 22, 2005 |
Appraisal Regulations and the Interagency Statement on Independent Appraisal and Evaluation Functions A joint-agency compiled list of frequently asked questions (FAQ) provides clarification, and reminds banks of the existing standards, concerning independence of the collateral valuation process.   |
OCC Bulletin
June 22, 2006 |
2006 Revisions to Uniform Standards of Professional Appraisal Practice This statement highlights the revisions in Uniform Standards of Professional Appraisal Practice, effective July 1, 2006, and reminds banks to consider the ramifications of the revisions to their appraisal practices. |
OCC Bulletin
January 13, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices Agencies seeking comment on proposed guidance for concentrations in commercial real estate (CRE) lending and sound risk management practices. |
OCC Bulletin
October 13, 1999 |
Interagency Guidelines for Real Estate Lending Policies New guidelines discuss the credit risks associated with high loan-to-value residential real estate lending and remind national banks that the 1992 Interagency Guidelines for Real Estate Lending Policies apply to these transactions... |
OCC Bulletin
December 6, 2006 |
Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices This Interagency Guidance describes sound risk management practices that will enable institutions to pursue CRE lending in a safe and sound manner. |
OCC Bulletin
April 25, 2005 |
Bank Secrecy Act/Anti-Money Laundering Joint statement on providing banking services to money services businesses. |
OCC Bulletin
September 14, 2001 |
Risk-Based Capital The attached joint statement addresses the agencies' supervisory approach to possible temporary balance sheet growth due to potential unusual market responses in the aftermath of the events of September 11. |
OCC Bulletin
October 5, 1999 |
Risk-Based Capital A joint statement addresses the agencies' supervisory approach to possible temporary balance sheet growth due to potential unusual market responses around the century date change... |
OCC Bulletin
December 26, 2000 |
Statement on Appraisal Standards for Federally Related Transactions An institution's internal controls must promote compliance with the OCC's appraisal regulation, the guidelines, and industry appraisal standards and ensure that the institution engages competent and ethical appraisers... |
OCC Bulletin
October 14, 2005 |
Real Estate Appraisal Exemptions in Major Disaster Areas The exceptions are available for transactions that involve real property in major disaster areas when the exceptions would facilitate recovery from the disaster. |
OCC Bulletin
January 27, 2006 |
Bank Secrecy Act/Anti-Money Laundering The attached document provides a joint statement on sharing suspicious activity reports with controlling companies. |
OCC Bulletin
March 26, 2001 |
Loans Held for Sale This issuance covers the accounting and reporting treatment for certain loans that are sold directly from the loan portfolio or transferred to a held-for-sale account... |
OCC Bulletin
October 4, 2006 |
Home Equity Lending: Addendum to OCC Bulletin 2005-22 The addendum provides guidance addressing the timing and content of communications with consumers obtaining open- end home equity lines of credit that contain an interest-only feature. |
OCC Bulletin
May 6, 2005 |
Bank Secrecy Act/Anti-Money Laundering Interagency interpretive guidance on providing banking services to money services businesses operating in the United States. |
OCC Bulletin
October 5, 2004 |
Final Rule: Extension of the Lending Limits Pilot Program The program, which provides special lending limits for family residential real estate loans and small business loans, has been extended to June 11, 2007. The program also now includes certain agricultural loans |
| OCC Bulletin |
Accounting for Loan and Lease Losses The guidance addresses recent developments in accounting for loan and lease losses and provides a listing of current, authoritative sources of generally accepted accounting principles in this area. |
CFO
June 15, 2012
Vincent Ryan |
Banks Ease Terms for Business Loans Fiercer domestic competition is making U.S. banks more flexible on spreads, interest-rate floors, and other costs to borrowers. |
OCC Bulletin
May 19, 2004 |
Complex Structured Finance Transaction Notice of joint statement with request for public comment on the attached interagency statement concerning the complex structured finance activities of financial institutions. |
OCC Bulletin
March 28, 2005 |
Credit Risk Proposed changes for the classification of commercial credit exposures, which are used to identify higher risk commercial loans and determine classified loan ratios. |
OCC Bulletin
February 20, 2001 |
Bank Secrecy Act/Anti-Money-Laundering The attached guidance was issued to help U.S. financial institutions avoid transactions that may involve the proceeds of foreign official corruption. |
OCC Bulletin
September 14, 2001 |
Consumer Protections for Depository Institution Sales of Insurance These rules implement Section 305 of the Gramm-Leach-Bliley Act and apply to retail sales practices, solicitations, advertising, or offers of any insurance product or annuity by a depository institution... |
OCC Bulletin
September 5, 2001 |
Community Bank-Focused Regulation Review: Lending Limits Pilot Program This final rule establishes a three-year pilot program that creates new special lending limits for loans secured by one- to four-family residential real estate loans and small business loans... |
| OCC Bulletin |
Classification of Securities The revised agreement for the "Uniform Agreement on the Classification of Assets and Appraisal of Securities Held by Banks and Thrifts" was issued on June 15, 2004. |
Commercial Investment Real Estate
Jul/Aug 2006
Spencer Garfield |
The Lending Landscape Buyers must learn to navigate a changing course to finance commercial real estate deals this year. |
OCC Bulletin
May 29, 2003 |
Application of Recent Corporate Governance Initiatives to Non-Public Banking Organizations A response to questions the agencies have received concerning whether they intend to require banking organizations to comply with the provisions of the Sarbanes-Oxley Act or the proposed NYSE and NASDAQ listing standards if the banking organizations are not public companies or otherwise subject to the provisions through other laws. |
National Real Estate Investor
May 1, 2006
Matt Hudgins |
Year of the Mega Loan Large loans and mushrooming CMBS issuance drove commercial real estate financing levels to an all-time high last year, but lenders say a slowing pace of transactions could temper loan volume as 2006 unfurls. |
U.S. Banker
July 2009
Andrew Dubinsky |
Electronic Lending Could Help Avert Another Crisis If regulators had the tools in place to effectively view complex debt instruments and the links between the financial institutions that securitize, hold, and insure them this crisis may not have happened. |
OCC Bulletin
May 3, 2005 |
Accounting and Reporting for Mortgage Loan Commitments Interagency Advisory on Accounting and Reporting for Commitments to Originate and Sell Mortgage Loans |
OCC Bulletin
April 4, 2001 |
Leveraged Financing Guidance for bankers and examiners that more fully describes supervisory expectations regarding sound practices for leveraged financing activities. |
Bank Systems & Technology
June 24, 2008
Ann Grochala |
In the Aftermath of the Credit Crisis, Some Banks See a Silver Lining The current problems in the credit markets bring both challenges and opportunities to banks. Many community banks still have plenty of liquidity and capital, and they all have ready access to the Federal Home Loan Bank system. |
OCC Bulletin
May 9, 2006 |
Revised Interagency Statement Open for Comment The attached interagency statement describes revised sound practices for managing complex structured finance activities that may pose heightened legal or reputational risks to financial institutions. |
Commercial Investment Real Estate
Nov/Dec 2009
Steve Bram |
Capital Markets Conundrum Are there viable solutions to today's financing puzzle? |
Commercial Investment Real Estate
Sep/Oct 2013
Jeff Rauth |
Follow the Money What are today's most financeable deals? Several market forces currently at work foretell a stronger lending environment in the next 12 to 18 months. |
U.S. Banker
March 2008
John Adams |
Another Lending Sector Teeters on the Edge Like a bad virus, the subprime-mortgage-driven plague is spreading from one sector of banking to another. |
Commercial Investment Real Estate
Jul/Aug 2010
Jeffrey Wolfer |
The Lending Landscape Despite the restricted market, borrowers still face many decisions when it comes to securing capital for commercial real estate projects. |
OCC Bulletin
February 2, 2005 |
Standards for National Banks' Residential Mortgage Lending Practices OCC guidelines establishing standards to further ensure that national banks do not become involved in predatory, abusive, unfair, or deceptive residential mortgage lending practices take effect 60 days after their publication in the federal register. |
OCC Bulletin
December 20, 2004 |
Shared National Credit Program Comments are sought on the proposed changes to the Shared National Credit (SNC) Program data collection process. |
Commercial Investment Real Estate
Jul/Aug 2011
David F. Webb |
The Lending Scene Commercial mortgage-backed securities' return brightens the picture in primary markets. |
National Real Estate Investor
May 1, 2008
Ben Johnson |
Regulators Turn Up Heat On Local Banks Community and mid-size banks, which comprise the bulk of all commercial real estate lending in this country, are once again under the watchful eye of regulators. |
OCC Bulletin
April 23, 2002 |
Parallel-Owned Banking Organizations This statement discusses the characteristics of parallel-owned banking organizations, reviews potential risks associated with these banking organizations, and provides information on supervisory issues... |
National Real Estate Investor
February 1, 2007
Ben Johnson |
Small Banks, Big Risks In the new era of commercial real estate lending, federal regulators are pressuring even the smallest banks to upgrade their portfolio analysis capabilities to avoid the pitfalls of past downturns. |
Bank Director
4th Quarter 2010
Jack Millligan |
A Short Leash on Risk Bankers all across the country are beginning to tighten up their lending practices as a response to the regulatory pressure they are under to keep lending plain, conservative, and firmly under control. |
This Old House
Sid Davis |
Here's How to Finance Your Remodel Financing a remodeling project doesn't have to be a crap shoot. Here's a game plan for choosing the best deal. |
OCC Bulletin
August 24, 2006 |
Annual Dollar Trigger for Certain Home Mortgage Loans The Federal Reserve Board published its annual amendment to its Regulation Z Commentary related to the dollar amount that triggers requirements for certain home mortgage loans subject to 12 CFR 226.32. |
FDIC FYI
November 4, 2003
Puwalski & Williams |
Economic Conditions and Emerging Risks in Banking The two main economic concerns of the past two years, a lack of new jobs and lackluster business investment, finally appear poised to subside. |
FDIC FYI
March 28, 2002 |
Housing Market Strengths and Risks A report released today in the FDIC's Regional Outlook evaluates changes in mortgage underwriting during the last expansion, and the likelihood that weakening home price growth could adversely affect home borrowers and lenders... |
FDIC FYI
September 19, 2002 |
A Look at Residential and Commercial Real Estate Markets Senior examiners and asset managers at federal bank and thrift regulatory agencies continue to see deterioration in the condition of commercial real estate markets while markets for single-family residences generally remain strong. |
The Motley Fool
October 9, 2006
Dan Caplinger |
Know Your Numbers: Consumer Credit Use economic data to gain the upper hand in your investing. The Federal Reserve's consumer credit report provides some useful information about the borrowing practices of typical consumers. |
U.S. Banker
August 2008
John Engen |
The Other Shoe... A commercial real estate fallout promises to be far more devastating than the subprime crisis, because this market is so much more pervasive - a linchpin business for so many institutions, including most community banks. |
National Real Estate Investor
April 1, 2003
Kingsley Greenland |
Liquidity Crisis Averted With a weak economy and the prospect of war, real estate investors are understandably nervous. The good news is that they aren't handcuffed by a 1990s-style liquidity crisis that brought the industry to a standstill a decade ago. |
