Understanding the HVCRE Bill

What? Exactly! Just when we were getting used to HVCRE and all of the issues posed by it and getting excited about the prospects of amending it (See Pittenger Bill), the government throws us for a.

 · There is a bill underway in Congress that seeks to loosen up the HVCRE language. The odds look good for the bill to pass, but for the time being the banking industry is operating under the current hvcre guidelines.

Nothing more. “I tell my clients that we only have the bird in hand and that is not what you like but it’s what you have and that is HVCRE, which went into effect Jan. 1, 2015. Warts and all.” Even if.

High Volatility Commercial Real Estate (HVCRE) Examiner Job Aid 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).

 · On September 18, 2018, the Federal Reserve, FDIC and OCC released a Notice of Proposed Rulemaking (NPR) regarding HVCRE. The good news is that the.

That particular issue is actually the subject of proposed legislation in Congress that would allow the parties to use the current market value. Whether the bill progresses further is difficult to predict but the FFIEC will clearly be aware of it as they reexamine this portion of the HVCRE rule.

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Understanding the HVCRE Bill. On July 12, a subcommittee of the House Financial Services Committee held hearings to examine nine pieces of legislation that would provide regulatory relief for community financial institutions, including H.R. 2148.

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The Act exempts from the definition of HVCRE ADC Loans, loans that finance the acquisition, development of construction of: one-to-four family residential properties; community-development projects;.

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HVCRE Clarification Finally Arrives – Congress Passes Legislation Addressing Treatment of ADC Loans under the Capital Rules. Among other things, the Reform Bill clarifies the treatment of acquisition, development, and construction (ADC) loans characterized as high volatility commercial real estate (HVCRE) exposures under the U.S. Basel iii capital rules. It is expected that President Trump will soon sign the legislation.