Recent Legislative and Regulatory Changes in the Terms of Credit and Credit Availability for Commercial Borrowers: Hearing Before the Subcommittee on General Oversight and Investigations of the Committee on Banking, Finance, and Urban Affairs, House of Representatives, One Hundred Second Congress, Second Session, August 4, 1992, Հատոր 4U.S. Government Printing Office, 1992 - 256 էջ |
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1-to-4 family residential Allowance for Loan appraised value assets balloon loans bank and thrift bank's bankers Banking Circular cash flow Chairman HUBBARD classification collateral commercial real estate Comptroller Congress COONLEY credit availability credit crunch credit secured debt Deposit Insurance Corporation economic establish estate lending standards extension of credit factors family residential property FDIC FDICIA federal banking Federal Deposit Insurance Federal Reserve Federal Reserve System FIRREA income industry institution's insured depository institution issued lender lien loan and lease loan means loss reserve maximum permissible loan-to-value MCCOLLUM means an extension National Banks net operating income nonconforming payments percent permissible loan-to-value ratio private mortgage insurance profits a prendre prudent ratio limits real estate lending real estate loans real property regulators repayment requirements restructured risk safety and soundness SCBA section 304 secured by real senior liens sound borrowers Subcommittee substandard term troubled loans value or evaluation
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Էջ 177 - Both parties are well informed or well advised, and acting in what they consider their own best interests; (3) A reasonable time is allowed for exposure in the open market; (4) Payment is made in terms of cash In US dollars or in terms of financial arrangements comparable thereto; and (5) The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale.
Էջ 177 - Market value means the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably and assuming the price is not affected by undue stimulus.
Էջ 177 - A written statement independently and impartially prepared by a qualified appraiser setting forth an opinion as...
Էջ 223 - Federal examination of financial institutions by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, the Office of Thrift Supervision and the National Credit Union Administration, and make recommendations to promote uniformity in the supervision of these financial institutions.
Էջ 177 - Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: 1. buyer and seller are typically motivated; 2. both parties are well informed or well advised, and...
Էջ 178 - The federal bank and thrift regulatory agencies currently utilize the following definitions for assets classified -substandard,- -doubtful,- and -loss" for supervisory purposes: Substandard Assets. A substandard asset is inadequately protected by the current sound worth and paying capacity of the obligor or of the collateral pledged, if any. Assets so classified must have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility...
Էջ 108 - I am pleased to call to order the Subcommittee on General Oversight and Investigations of the House Committee on Banking, Finance and Urban Affairs.
Էջ 177 - ... knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: 1.
Էջ 205 - Comments should be directed to: Hoyle L. Robinson, Executive Secretary, Federal Deposit Insurance Corporation, 550 17th Street, NW, Washington, DC 20429.
Էջ 212 - Parts 208 and 225 by revising them to read as follows: PART 208 - MEMBERSHIP OF STATE BANKING INSTITUTIONS IN THE FEDERAL RESERVE SYSTEM 1. The authority citation for Part 208 continues to read as follows: AUTHORITY...