Home Equity Lending The

FRB: Press Release--Interagency risk-management guidance for home equity lending--May 16, 2005 Joint Press Release Board of Governors of the Federal Reserve System Federal Deposit Insurance Corporation National Credit Union Administration Office of the Comptroller of the Currency Office of Thrift Supervision For Immediate Release May 16, 2005 Agencies Issue Credit Risk Management Guidance for Home Equity Lending The federal bank, thrift, and credit union regulatory agencies today issued guidance that promotes sound risk management practices for home equity lines of credit and loans. The agencies have found that in some cases credit risk management practices for home equity lending have not kept pace with the product's rapid growth and eased underwriting standards. The rise in home values, coupled with low interest rates and favorable tax treatment, have made home equity lines of credit and loans attractive to consumers. To date, delinquency and loss rates for home equity portfolios have been low, due at least in part to the modest repayment requirements and relaxed structures of this lending. However, the agencies have identified risk factors that, along with vulnerability to interest rate increases, have attracted scrutiny, including: Interest-only features that require no amortization of principal for a protracted period; Limited or no documentation of a borrower's assets, employment and income; Higher loan-to-value (LTV) and debt-to-income ratios; Lower credit risk scores for underwriting home equity loans; Greater use of automated valuation models and other collateral evaluation tools for the development of appraisals and evaluations; and An increased number of transactions generated through a loan broker or other third party. The agencies note that active portfolio management is especially important for financial institutions that project or have already experienced significant growth or concentrations in higher risk products, such as high LTV, limited documentation and no documentation interest-only, and third-party generated loans. Like most other lending activity, home equity lending can be conducted in a safe and sound manner with appropriate risk management systems. This guidance outlines the agencies' expectations for sound underwriting standards and effective credit risk management practices for a financial institution's home equity lending activity. # # # Attachment (43 KB PDF) Media Contacts: Federal Reserve Susan Stawick (202) 452-2955 FDIC David Barr (202) 898-6992 OCC Kevin Mukri (202) 874-5770 OTS Erin Hickman (202) 906-6677 NCUA Cherie Umbel (703) 518-6330 2005 Banking and consumer regulatory policy Home | News and events Accessibility Last update: May 16, 2005

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Amazon.co.uk: The "Which?" Guide to Buying Property Abroad ("Which?" Consumer Guides): Books BOOK SEARCH BROWSE CATEGORIES SPECIAL OFFERS TOP SELLERS AUDIO BOOKS Paperbacks 3 for £12 NEW & USED TEXTBOOKS HARRY POTTER SELL YOUR BOOKS All Products -Books -Used Books -Collectable Books All Subjects -Art, Architecture & Photography -Audio Cassettes -Audio CDs -Biography -Business, Finance & Law -Children's Books -Comics & Graphic Novels -Computers & Internet -Crime, Thrillers & Mystery -Fiction -Food & Drink -Gay & Lesbian -Health, Family & Lifestyle -History -Home & Garden -Horror -Humour -Mind, Body & Spirit -Music, Stage & Screen -Poetry, Drama & Criticism -Reference & Languages -Religion & Spirituality -Romance -Science & Nature -Science Fiction & Fantasy -Scientific, Technical & Medical -Society, Politics & Philosophy -Sports, Hobbies & Games -Travel & Holiday -Young Adult All Subjects Art, Architecture & Photography Audio Cassettes Audio CDs Biography Business, Finance & Law Children's Books Comics & Graphic Novels Computers & Internet Crime, Thrillers & Mystery Education & Languages Fiction Food & Drink Gay & Lesbian Health, Family & Lifestyle History Home & Garden Horror Humour Mind, Body & Spirit Music, Stage & Screen Poetry, Drama & Criticism Reference Religion & Spirituality Romance Science & Nature Science Fiction & Fantasy Scientific, Technical & Medical Society, Politics & Philosophy Sports, Hobbies & Games Travel & Holiday Young Adult BOOKS INFO At A Glance Reviews Customer Reviews See more by this author E-mail a Friend About This Item Recommendations If you already own this, rate it and improve your recommendations , Not Rated Visit the Music shop X&Y ~ Coldplay Find a huge selection of books at 30% off Become an Associate Join our Associates Programme and make money from your website! The "Which?" Guide to Buying Property Abroad ("Which?" Consumer Guides) Jeremy Davies Publisher: learn how customers can search inside this book. List Price: £10.99 Our Price: £6.26 & eligible for Free UK delivery on orders over £15 with Super Saver Delivery. See details & conditions . You Save: £4.73 (43%) Availability: usually dispatched within 24 hours. 28 Used & New from £6.18 See larger photo Edition: Paperback Get up to 50% off more great New Year, New You titles. More Product Details Perfect Partner Buy The "Which?" Guide to Buying Property Abroad... with A Place in the Sun: Buying Your Dream Home Abroad today! Total List Price: £23.98 Buy Together Today: £15.35 Customers who bought this item also bought: Buying Property Abroad ("Sunday Times" Buying a Property S.) ;Paperback~Ben West The Complete Guide to Buying Property Abroad ;Paperback~Liz Hodgkinson A Place in the Sun: Dream Homes Within Your Reach ;Paperback~Fanny Blake Buying a Property in Eastern Europe 2005 (Red Guides) ;Paperback~Katy Pownall (Editor) Buying a Property: Turkey ;Paperback~John Howell Explore similar items ... Product Details: Paperback 256 pages(March 1, 2004) Publisher: Which? Books Language: English ISBN: 0852029705 Category(ies): Reference , Home & Garden , Travel & Holiday Average Customer Review: | Write a review Amazon.co.uk Sales Rank: 10,285 (Publishers and authors: improve your sales ) sign in to turn on 1-Click™ ordering. 24 New from 6.18 4 used from 7.33 Have one to sell? (We'll set one up for you) View my Wish List . Customers interested in this title may also be interested in: What's this? ( What's this? ) Feedback Which ? Online Latest Credit Check Info Up- to -date credit check guide . Expert assessment, test results, tips and buying advice to help you choose products and services. The premium Internet-only consumer research and advice site. trial.which.co.uk Reviews Synopsis For recreation, retirement, or investment buying property abroad has never been more popular. Over a million British owners now have homes in another country. Unfortunately, buying abroad is fraught with difficulties. Different cultures, languages, currencies and laws make expert advice essential. The Which? Guide to Buying Property Abroad takes an in-depth look at France, Spain, Portugal, Italy, Florida and Greece. The book outlines the sort of property you are likely to encounter, looks at local taxes and how much you'll have to pay, examines local law and how this relates to matters such as inheritance, insurance, liability and land searches, and considers the true cost of holiday homes - assessing estate agents, building societies, euro-mortgages, lawyers, local officials, maintenance charges, utility bills, management fees and the commission charged by letting agencies. Finally, the book looks at the financial and legal implications of long-term residency, with particular reference to retirement, taxation, inheritance and health-care. Customer Reviews Avg. Customer Review: Write an online review and share your thoughts with other shoppers! 20 of 20 people found the following review helpful: The best of the bunch , August 25, 2004 Reviewer: James Parker from Brighton I've been thinking of buying a place abroad as a holiday home and for rental income but wasn't tied to the idea of a particular country. Not knowing anyone who'd done it, I thought I should read up before going any further and had a look in a couple of bookshops. As far as I can see most of the books on buying abroad are either really superficial and normally linked to one of the TV shows, or focus just on one country - which is no good if you're not sure where to buy. This one gives you the best of both worlds - it gives plenty of detail but covers most of the countries you're likely to want to buy in as well. I've now found a lawyer to advise me, and am on my way out to Italy to have a look at places in September Was this review helpful to you? 11 of 11 people found the following review helpful: A useful guide , August 17, 2004 Reviewer: prunella_mortimer_harvey from Manchester I had always wanted to buy a property abroad and a couple of months ago I embarked on a trip to France with the intention of finding a cottage in the countryside (Dordogne). Before going I bought this book- and it proved to be an excellent companion with plenty of useful information - epecially about taxation and banking/finances. I would thoroughly recommend it to everybody Was this review helpful to you? 9 of 9 people found the following review helpful: Buying property abroad- an excellent guide , August 5, 2004 Reviewer: lorenza_ponzoni from Manchester, Manchester United Kingdom The book is an informative practical guide to buying property abroad..it is easy to read,well written and clearly explained. It is packed with essential information- and it even contains details that you would not think you needed until you got there! I would recommend it to anybody who is considering buying property In Europe .... do not attempt anything before you read this book!! Was this review helpful to you? 14 of 15 people found the following review helpful: A MUST HAVE , March 25, 2004 Reviewer: A reader from United Kingdom This book is a very comprehensive guide to buying a house abroad. If you are interesting in this subject you would do much better to buy this than the country specific guides because here you get detailed stuff about all the different country. the overall message of the book is that you can make a success of buying somewhere to live in, use for holidays or rent out but it takes you through all the possible pitfall, and is very readable. Was this review helpful to you? 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