RegBite - Supervisory LTV (Banks)

This RegBite covers the supervisory loan-to-value (LTV) requirements applicable to Federally insured banks and savings institutions under the Interagency Guidelines for Real Estate Lending Policies. Compliance professionals will gain a working understanding of how supervisory LTV limits are structured across loan and property types, how complex multi-phase and cross-collateralized transactions are evaluated, and what Board-level oversight and policy exception requirements apply.

Topics covered include:

• Scope, written lending policy standards, and institutional applicability;
• Supervisory LTV limits by loan and property type;
• Owner-occupied 1-4 family residential and home equity loan requirements;
• Complex scenarios, including multi-phase projects, cross-collateralized loans, and valuation basis;
• Exempt transactions;
• Policy exception permissibility, documentation, and aggregate limits; and
• Board reporting requirements.