Отчёт экспертного совета федеральных финансовых учреждений (US)

[john_archer]

Вчера был опубликован многостраничный документ, который этот совет представляет в Конгресс США. Мне показались интересными не только тезисы, опубликованные на странице Banking Agencies Issue Joint Report to Congress Under the Economic Growth, но и список предложений агенства по решению проблем.

Тезисы:

• Simplifying regulatory capital rules for community banks and savings associations;
• Streamlining reports of condition and income (Call Reports);
• Increasing the appraisal threshold for commercial real estate loans; and
• Expanding the number of institutions eligible for less frequent examination cycles.

Предложения:

• give credit union loan officers the ability, under certain circumstances, to no longer require a personal guarantee;
• replace explicit loan-to-value limits with the principle of appropriate collateral and eliminating the need for a waiver;
• lift limits on construction and development loans;
• exempt credit unions with assets under $250 million and small commercial loan portfolios from certain requirements; and
• affirm that non-member loan participations, which are authorized under the Federal Credit Union Act, do not count against the statutory member business lending cap.