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, Volume 4
United States. Congress. House. Committee on Banking, Finance, and Urban Affairs. Subcommittee on General Oversight and Investigations
U.S. G.P.O., Jan 1, 1992 - Business & Economics - 256 pages
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Hawkins Robert W Chairman Southern Commercial Bank President Inde
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appraised value assets balloon loans bank and thrift bank's bankers Bill McCollum cash flow Chairman Hubbard collateral commercial real estate Comptroller Congress Coonley credit availability credit crunch credit secured debt economy establish extension of credit factors family residential property FDIC FDICIA federal banking Federal Deposit Insurance Federal Reserve FIRREA funds Gayle Hadley implement income institution's insured depository institution internal loan-to-value ratio issues l-to-4 family residential Lease Losses lender lien loan and lease loan means loss reserve maximum permissible loan-to-value McCollum means an extension mortgage National Banks nonconforming percent permissible loan-to-value ratio private mortgage insurance problems proposed 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 small business sound borrowers Subcommittee substandard supervisory term Tommy Thompson troubled loans underwriting value or evaluation