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Financial Institution Letter | October 22, 2021 |
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Final Rulemaking to Amend the Real Estate Lending Standards |
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Summary
On October 21, 2021, the FDIC Board of Directors adopted a final rule to amend the Interagency Guidelines for Real Estate Lending Policies to incorporate consideration of the capital framework established in the community bank leverage ratio (CBLR) rule into the method for calculating the ratio of loans in excess of the supervisory loan-to-value limits (LTV limits). The amendment provides a consistent approach for calculating the ratio of loans in excess of the supervisory LTV limits at all FDIC-supervised institutions without requiring the computation of total capital.
A copy of the final rule is available on the FDIC’s public website.
Statement of Applicability:
This Financial Institution Letter (FIL) applies to all FDIC-supervised financial institutions.
Distribution:
FDIC-Supervised Institutions
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