Laws and Regulations
Key laws and regulations that pertain to 多宝游戏下载-supervised institutions; note that other laws and regulations also may apply.
- Appendix A to Part 364 鈥 Interagency Guidelines Establishing Standards for Safety and Soundness provides operational and managerial standards for safety and soundness to include asset quality and asset growth
- Section 337.2 鈥 Standby Letters of Credit discusses the calculation of legal lending limitations, including loans to any one borrower, loans to affiliates of the bank, or aggregate loans
- Section 337.3 and address extensions of credit from an institution to its executive officers, directors, and principal shareholders
- Part 347 鈥 International Banking discusses requirements for institutions to engage in foreign financial activities
- restricts certain transactions between banks and their affiliates
Supervisory Resources
Frequently asked questions, advisories, statements of policy, and other information issued by the 多宝游戏下载 alone, or on an interagency basis, provided to promote safe-and-sound operations.
- Risk Management Manual of Examination Policies
- Section 3.1 鈥 Asset Quality describes areas of consideration for assigning the asset quality rating and defines each rating
- Section 3.2 鈥 Loans describes the review process for evaluating lending policies and credit administration practices, as well as their effectiveness to maintain loan quality and minimize loss
- Section 3.8 鈥 Off-balance Sheet Activities describes the review process for items such as loan commitments, letters of credit, and revolving facilities
- The establishes standards to measure retail credit quality based on the repayment performance of individual borrowers
- Interagency Guidance for Responsible Small-Dollar Loans encourages financial institutions to offer these credit products in a cost-effective, safe-and-sound manner
- promotes responsible disclosure and administration of overdraft protection services
- Credit Card Lending communicates information about prudent practices for account management, risk management, and loss allowance practices
- Student Loans
- Guidance on Private Student Loans with Graduated Repayment Terms at Origination addresses underwriting and communicating the timing and the amount of payments to facilitate a borrower鈥檚 understanding of the loan鈥檚 terms and features
- Banking Agencies Encourage Financial Institutions to Work with Student Loan Borrowers Experiencing Financial Difficulties promotes the use of workout arrangements for private student loans whenever workout arrangements are economically feasible and appropriate
- Subprime Loans
- 多宝游戏下载鈥檚 Supervisory Policy on Predatory Lending describes characteristics of predatory lending and reaffirms that such activities are inconsistent with safe-and-sound lending
- Interagency Guidance on Subprime Lending defines the activity and discusses board-approved policies and internal controls to identify, measure, monitor, and control risk
- discusses various issues relating to subprime lending, including the ALLL, regulatory capital, examination review of subprime activities, classification of risk, and documentation for re-aging, renewing, or extending delinquent accounts
- Working with Borrowers
- provides a supervisory perspective on providing credit to businesses, consumers, and other creditworthy borrowers
- Guidance Addressing Certain Issues Related to Troubled Debt Restructurings provides insight into the accounting treatment and regulatory credit risk grade or classification of commercial and residential real estate loans that have undergone troubled debt restructurings
- Consumer Lending Resources for Compliance Officers
Other Resources
Supplemental information related to safe-and-sound banking operations.
- 多宝游戏下载鈥檚 Supervisory Insights 鈥 Winter 2017 article, 鈥淯nderwriting Trends and Other Highlights from the 多宝游戏下载鈥檚 Credit and Consumer Products/Services Survey鈥
Banker Resource Center
Consumer lending includes closed- and open-end credit extended to individuals for household, family, and other personal expenditures and includes credit cards, auto loans, and student loans.
Laws and Regulations
Key laws and regulations that pertain to 多宝游戏下载-supervised institutions; note that other laws and regulations also may apply.
- Appendix A to Part 364 鈥 Interagency Guidelines Establishing Standards for Safety and Soundness provides operational and managerial standards for safety and soundness to include asset quality and asset growth
- Section 337.2 鈥 Standby Letters of Credit discusses the calculation of legal lending limitations, including loans to any one borrower, loans to affiliates of the bank, or aggregate loans
- Section 337.3 and address extensions of credit from an institution to its executive officers, directors, and principal shareholders
- Part 347 鈥 International Banking discusses requirements for institutions to engage in foreign financial activities
- restricts certain transactions between banks and their affiliates
Supervisory Resources
Frequently asked questions, advisories, statements of policy, and
other information issued by the 多宝游戏下载 alone, or on an interagency
basis, provided to promote safe-and-sound operations.
-
Risk Management Manual of Examination Policies
- Section 3.1 鈥 Asset Quality describes areas of consideration for assigning the asset quality rating and defines each rating
- Section 3.2 鈥 Loans describes the review process for evaluating lending policies and credit administration practices, as well as their effectiveness to maintain loan quality and minimize loss
- Section 3.8 鈥 Off-balance Sheet Activities describes the review process for items such as loan commitments, letters of credit, and revolving facilities
- The establishes standards to measure retail credit quality based on the repayment performance of individual borrowers
- Interagency Guidance for Responsible Small-Dollar Loans encourages financial institutions to offer these credit products in a cost-effective, safe-and-sound manner
- promotes responsible disclosure and administration of overdraft protection services
- Credit Card Lending communicates information about prudent practices for account management, risk management, and loss allowance practices
-
Student Loans
- Guidance on Private Student Loans with Graduated Repayment Terms at Origination addresses underwriting and communicating the timing and the amount of payments to facilitate a borrower鈥檚 understanding of the loan鈥檚 terms and features
- Banking Agencies Encourage Financial Institutions to Work with Student Loan Borrowers Experiencing Financial Difficulties promotes the use of workout arrangements for private student loans whenever workout arrangements are economically feasible and appropriate
-
Subprime Loans
- 多宝游戏下载鈥檚 Supervisory Policy on Predatory Lending describes characteristics of predatory lending and reaffirms that such activities are inconsistent with safe-and-sound lending
- Interagency Guidance on Subprime Lending defines the activity and discusses board-approved policies and internal controls to identify, measure, monitor, and control risk
- discusses various issues relating to subprime lending, including the ALLL, regulatory capital, examination review of subprime activities, classification of risk, and documentation for re-aging, renewing, or extending delinquent accounts
-
Working with Borrowers
- provides a supervisory perspective on providing credit to businesses, consumers, and other creditworthy borrowers
- Guidance Addressing Certain Issues Related to Troubled Debt Restructurings provides insight into the accounting treatment and regulatory credit risk grade or classification of commercial and residential real estate loans that have undergone troubled debt restructurings
- Consumer Lending Resources for Compliance Officers
Other Resources
Supplemental information related to safe-and-sound banking operations.
- 多宝游戏下载鈥檚 Supervisory Insights 鈥 Winter 2017 article, 鈥淯nderwriting Trends and Other Highlights from the 多宝游戏下载鈥檚 Credit and Consumer Products/Services Survey鈥