Occ.treas.gov [2022]

Last Update: April 3, 2022

Commercial Real Estate OCC

Commercial real estate loans include loans secured by liens on condominiums, leaseholds, cooperatives, forest tracts, land sales contracts, construction project loans, and in the states that consider them real property, oil and mineral rights. National banks may make, arrange, purchase, or sell loans or extensions of credit secured by liens on interests in real estate.

Actived: 3 days ago

URL: https://www.occ.treas.gov/topics/supervision-and-examination/credit/commercial-credit/commercial-real-estate.html

Other Real Estate Owned OCC

(4 days ago) Other Real Estate Owned (Comptroller's Handbook, August 2018) Provides an overview and examiner guidance for policies, procedures, and recordkeeping related to other real estate owned. References. Part 34—Real Estate Lending and Appraisals Subpart B (ARMs) and Subpart E (OREO) (OCC 1996-22, April 1996), Final Rule (Federal Register, March 20

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Comptroller's Handbook: Other Real Estate Owned OCC

(2 days ago) OCC Bulletin 2021-65, Other Real Estate Owned: Updated Comptroller's Handbook Booklet and Rescissions. Overview. This booklet provides an overview of the asset management business, its risks, and sound risk management processes. It describes the OCC's supervisory philosophy and processes and how they apply to the asset management activities of

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Comptroller's Handbook: Residential Real Estate Lending …

(8 days ago) Residential real estate lending, which comprises loans for purchasing properties designed to house one-to-four families; refinancing loans used to purchase such properties; and extending closed-end loans and open-end lines of credit secured by …

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Real Estate for Bank Premises: Notice of Proposed

(6 days ago) The proposed rule would limit the uses of real estate not used by bank persons for the transaction of the bank's business. Proposed 12 CFR 7.1024(c) applies the excess capacity doctrine, which recognizes banks' need to optimize the value of bank property, by authorizing banks to sell or lease excess space or capacity in that property.

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Other Real Estate Owned: Updated Comptroller's …

(7 days ago) The Office of the Comptroller of the Currency (OCC) today issued an updated "Other Real Estate Owned" booklet of the Comptroller's Handbook , which is prepared for use by OCC examiners in connection with the examination and supervision of national banks, federal savings associations, and federal branches and agencies of foreign banking organizations …

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Underwriting OCC

(3 days ago) Real Estate Lending Standards (12 CFR 34.62) Prescribes standards for real estate lending to be used by national banks in adopting internal real estate lending policies. Survey of Credit Underwriting Practices Series of surveys that cover examiner assessments of credit underwriting standards at the largest national banks.

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Quick Reference Guide to Public Welfare Investments

(7 days ago) involving “other real estate owned.” CD-1 Form – National banks must submit the completed CD-1 Form for Processing National Bank Public Welfare Investments to provide an after-the-fact notice or to request prior approval of a public welfare investment to the Community Affairs Department, Office of the

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Commercial Real Estate Lending: Revised Comptroller's

(6 days ago) The Office of the Comptroller of the Currency (OCC) today issued version 2.0 of the "Commercial Real Estate Lending" booklet of the Comptroller's Handbook . This booklet discusses risks and risk management practices associated with commercial real estate. This booklet also provides examiners with a framework for evaluating commercial real estate

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Other Real Estate Owned

(9 days ago) 12 CFR 34, “Real Estate Lending and Appraisals,” subpart E, “Other Real Estate Owned,” implements requirements relating to the OREO holding period, disposition, appraisals, and additional expenditures and notifications. OREO may be held directly or indirectly through equity ownership in an entity formed to hold the real estate.

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Unique and Hard-to-Value Assets

(9 days ago) Real estate presents possible environmental liability. Leases for real estate—including farm, ranchland, and mineral interests—must be negotiated and rent must be collected. Collectibles must be protected and insured. Across all of these asset types, one …

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Commercial Real Estate Lending

(8 days ago) Real estate is a highly cyclical industry that is affected by changes in local and national economic conditions. Although national conditions affect the overall real estate industry, how national conditions influence local conditions is most important. Factors such as rates of

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High Volatility Commercial Real Estate: Final Rule OCC

(3 days ago) The OCC, Federal Reserve Board, and FDIC are revising the capital rule to make the definition of high volatility commercial real estate exposure consistent with the statutory definition. The final rule is effective on April 1, 2020.

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Troubled Debt Restructurings: Supervisory Guidance on

(7 days ago) The "Policy Statement on Prudent Commercial Real Estate Workouts" and the Bank Accounting Advisory Series include guidance about TDRs that may be helpful in considering whether a loan modification or renewal is a TDR. 7

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One- to Four-Family Residential Real Estate Lending

(3 days ago) One- to Four-Family Residential Real Estate Lending . The primary business of the thrift industry is residential real estate lending. Section 5(c)(1)(B) of the Home Owner’s Loan Act (HOLA) authorizes federal savings associations to invest in loans secured by “residential real estate” — subject to safety and soundness considerations.

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Safety and Soundness

(Just Now) Comptroller’s Handbook 2 Residential Real Estate Lending banks and FSAs are subject to a uniform rule on real estate lending, which incorporates the “Interagency Guidelines for Real Estate Lending Policies.” This rule can be found in 12 CFR 34, subpart D, for national banks, and in 12 CFR 160.101, for FSAs, both titled

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Interagency Guidelines for Real Estate Lending Policies

(7 days ago) A high LTV residential real estate loan is any loan, line of credit, or combination of credits secured by liens on or interests in owner-occupied one- to four-family residential property that equals or exceeds 90 percent of the real estate's appraised value, unless the loan has appropriate credit support.

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FAQ on Appraisal Regulations and Interagency Appraisal and

(7 days ago) real estate that secures transactions, can result in higher loan losses, reduced profitability, and bank failures. In light of these problems, Congress adopted Title XI, 9. requiring financial institutions to obtain appraisals prepared by state-certified or state-licensed appraisers for all federally related

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Community Bank Stress Testing: Supervisory Guidance OCC

(7 days ago) Possible Real Estate Stress Testing Factors. The following table lists characteristics and variables common to particular property types that may be considered when evaluating the impact of a stress period on the property type. These characteristics may be part of a sub-schedule of stress testing a portfolio of CRE loans.

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Fair Lending OCC

(5 days ago) The FHA prohibits discrimination in residential real estate–related transactions based on. race or color. national origin. religion. sex. familial status. handicap. The ECOA prohibits discrimination in credit transactions based on. race or color. national origin. religion. sex. marital status. age.* applicant's receipt of income from a public

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Interpretive Letter #880 12 USC 24(7)

(9 days ago) A. Real Estate Investment Advisory and Related Intermediary Services As described in your letter, a national bank would provide Services to individuals and institutional investors whose investment portfolios include investment real estate held for the purpose of realizing capital appreciation or income. These real estate investments would

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Fiduciary Activities of National Banks: Annual Reviews of

(7 days ago) 1 For example, valuation of assets in charitable trusts may require appraisals that comply with IRS rules such as Internal Revenue Code Section 6695A. Other rules addressing valuation of real estate or closely held companies may also apply. *References in this guidance to national banks or banks generally should be read to include federal savings associations …

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Safety and Soundness

(7 days ago) 12 CFR 34, “Real Estate Lending and Appraisals,” subpart E, “Other Real Estate Owned,” implements requirements relating to the OREO holding period, disposition, appraisals, and additional expenditures and notifications. OREO may be held directly or indirectly through equity ownership in an entity formed to hold the real estate.

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Real Estate Development

(6 days ago) real estate project may be in the advanced phases of development during a scheduled examination, a review of preacquisition analyses will permit an initial assessment of the level of risk assumed by the service corporation. In addition, pro forma statements, plans and designs, and cost estimates

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Interagency Guidance on High LTV Residential Real Estate

(7 days ago) residential real estate loan is defined as any loan, line of credit, or combination of credits secured by liens on or interests in owner-occupied 1- to 4-family residential property that equals or exceeds 90 percent of the real estate’s appraised value, unless the loan has appropriate credit

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Asset Securitization

(2 days ago) real estate is one of the fastest-growing types of nonconsumer assets in the securitization markets, which fund approximately 10 percent of commercial mortgage debt. Benefits of Asset Securitization The evolution of securitization is not surprising given the benefits that it offers

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Part VI Department of the Treasury

(6 days ago) of real estate appraisals in connection with ‘‘federally related transactions,’’ 3 . which are defined as those real estate-related financial transactions that an Agency engages in, contracts for, or regulates and that require the services of an appraiser. 4 . These regulations also specify the requirement for evaluations

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15019 Rules and Regulations Federal Register

(6 days ago) A real estate-related financial transaction is defined as any transaction that involves: (i) The sale, lease, purchase, investment in or exchange of real property, including interests in property, or financing thereof; (ii) the refinancing of real property or interests

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Concentrations in Commercial Real Estate Lending, Sound

(7 days ago) Total commercial real estate loans, as defined in the guidance, represent 300 percent or more of the institution's total risk-based capital, and the outstanding balance of the institution's commercial real estate loan portfolio has increased by 50 percent or more during the prior 36 months. Emory W. Rushton

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Interagency Statement on Appraisals and Evaluations for

(8 days ago) and commercial real estate secured transactions, including loans for new money or refinancing transactions, but excluding transactions for acquisition, development, and construction of real estate, and will be effective upon publication in the Federal Register. The deferred appraisals and the interim final rule will sunset on December 31, 2020.

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Interagency Guidance on Home Equity Lines of Credit

(7 days ago) Real Estate Lending Policies. Management’s criteria for HELOC underwriting and credit analysis should be consistent with regulatory guidance for prudent real estate lending. A financial institution’s underwriting criteria should include debt service capacity standards,

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Real Estate Appraisal and Evaluation Guidelines

(7 days ago) real estate appraisal and evaluation policies, programs, and procedures as part of the examination process. Examiners will consider the in- stitution’s size and the nature of its real estate-related activities in their assessment of the appropriateness of its programs. TB 55 In the analysis of individual trans-

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OCC to Hold Virtual Hearing on Charges Against Saul Ortega

(8 days ago) The OCC has charged Messrs. Ortega and Rogers with engaging in violations of law and OCC orders, unsafe or unsound banking practices, and breaches of fiduciary duty regarding bank loans issued to finance a capital raise, bank loans issued to finance sales of the bank’s other real estate owned, and the bank’s accrual of interest on loans in

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The Impact of the State and Local Tax (SALT) Deduction Cap

(8 days ago) The results further indicate that, among four state and local tax types (income, real estate, sales and personal property), state and local income tax had the strongest effect on home price movements with the SALT cap in place, both economically and statistically. Real estate tax also had a significant impact.

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Agricultural Lending

(6 days ago) real estate market, because they can issue long-term bonds to offset their interest rate exposure on long-term mortgages. Other products include operating loans, intermediate-term debt for capital purchases, rural home mortgage loans, leases, credit-related life insurance, crop insurance, commercial real estate loans, and accounting/income tax

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UNITED STATES OF AMERICA DEPARTMENT OF THE

(9 days ago) servicers, has conducted an examination of the residential real estate mortgage foreclosure processes of JPMorgan Chase Bank, N.A., New York, New York ("Bank"). The OCC has identified certain deficiencies and unsafe or unsound practices in residential mortgage servicing and in the Bank’s initiation and handling of foreclosure proceedings.

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