The Credit Crunch and Regulatory Burdens in Bank Lending: Hearings Before the Commerce, Consumer, and Monetary Affairs Subcommittee of the Committee on Government Operations, House of Representatives, One Hundred Third Congress, First Session, March 17, 23, and 24; and May 10, 1993U.S. Government Printing Office, 1993 - 947 էջ |
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Appraisal Foundation Appraisal Institute areas assets Association bank examiners bank lending bank regulators bank's bankers banking industry banks and thrifts basis pts Board borrowers capital ratios capital requirements Chairman changes collateral commercial banks commercial real estate Committee Community Reinvestment Act compliance Comptroller Congress consumer costs credit availability credit crunch Deposit Insurance Corporation directors documentation economic estimate FDIC FDICIA Federal Deposit Insurance Federal Reserve financial institutions FIRREA formal actions going impact increase interest rate interest rate risk issue legislation lenders leverage ratio Market Value medium-sized businesses mortgage loans Office paperwork portfolio President problem pts of standard real estate appraisals real estate loans recent reduce regulatory agencies regulatory burden residential risk risk-based safety and soundness securities securitization small business small business loans SPRATT Subcommittee supervisory testimony Thank tier 1 capital Title XI transactions well-capitalized ZELIFF
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Էջ 652 - 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 652 - ... 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) Buyer and seller are typically motivated; (2) Both parties are well informed or well advised; and...
Էջ 616 - Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Office of Thrift Supervision...
Էջ 608 - Affairs, the Federal Home Loan Bank Board, the Federal Deposit Insurance Corporation, the Board of Governors of the Federal Reserve System, and the Secretary of Agriculture.
Էջ 674 - Honorable Doug Barnard. Jr. Chairman Subcommittee on Commerce, Consumer, and Monetary Affairs Committee on Government Operations House of Representatives Washington, DC...
Էջ 332 - 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 112 - Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS) and to make recommendations to promote uniformity in the supervision of financial institutions.
Էջ 182 - Is, of course, critical for the members of our groups to expand their businesses and provide more jobs. Yet, there are continuing problems in obtaining sufficient credit. For example, two years after the end of the last five recessions prior to the 1990-91 recession, bank credit was expanding at an average rate of over nine percent annually, thereby supporting economic growth. However, two years after the 1990-91 recession, bank credit growth was actually negative. While there are a variety of factors...
Էջ 652 - A written statement independently and impartially prepared by a qualified appraiser setting forth an opinion as to the market value of an adequately described property as of a specific date(s), supported by the presentation and analysis of relevant market information.
Էջ 360 - BEFORE THE SUBCOMMITTEE ON COMMERCE, CONSUMER, AND MONETARY AFFAIRS OF THE HOUSE COMMITTEE ON GOVERNMENT OPERATIONS ON FEDERAL ACTIONS IN DEALING WITH CONTAMINATED IMPORTED WINES Mr.