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This job aid was created by the CSBS State Examiner Review Team to help state examiners understand important aspects of a new designation of commercial real estate loans, known as high-volatility commercial real estate (HVCRE).
More and more, bankers are becoming familiar with the term 'High Volatility Commercial Real Estate,' or HVCRE for short. These bankers may sense that HVCRE has a dampening effect on their ability to lend to commercial real estate borrowers.
High volatility commercial real estate (HVCRE) exposure means: (1) A credit facility secured by land or improved real property that, prior to being reclassified by the Board-regulated institution as a non-HVCRE exposure pursuant to paragraph (6) of this definition—
Dec 13, 2019 · 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.
Feb 2, 2020 · In keeping with the 2019 NPR, loans that solely finance the process of preparing land for the construction of one- to four-family residential structures (such as laying sewers, water pipes and similar improvements) qualify as HVCRE …
Nov 20, 2019 · The final rule revises the definition of an HVCRE exposure to conform to the statutory definition of a high volatility commercial real estate acquisition, development, or construction (HVCRE ADC) loan.
Is a loan an HVCRE exposure? Use this decision tree to find out (See the appendix for explanations of highlighted terms.) Definition of a high-volatility commercial real estate (HVCRE) exposure 1. Is the loan secured by land or improved real property?
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