Specialty Credit Risks
Specialty credit risks generally address the more complex lending activities associated with
counterparty credit risk, country risk, oil and gas credits, and shared national credits.
Laws and Regulations
Key laws and regulations that pertain to FDIC-supervised institutions; note that other laws and regulations also may apply.
Part 323 — Appraisals
addresses requirements for a written appraisal for certain real estate-related transactions
Appendix A to Part 364 — Interagency Guidelines
Establishing Standards for Safety and Soundness
provides operational and managerial standards for safety and
soundness to include asset quality and asset growth
Part 365 — Real Estate Lending Standards
provides standards for real estate lending and addresses
the adoption and maintenance of written policies
for extensions of credit that are secured by real estate, or that
are made for the purpose of financing permanent improvements to
Frequently asked questions, advisories, statements of policy, and other information issued by the FDIC alone, or on an interagency basis, provided to promote safe-and-sound operations.
Counterparty Credit Risk
Country Risk Management Practices
describes elements of an effective risk management process to mitigate country risk for institutions engaged in international activities
Interagency Country Exposure Review Committee Process
outlines how the agencies ensure consistent treatment of the transfer risk associated with banks’ foreign exposures to both public- and private-sector entities
Oil and Gas
Prudent Risk Management of Oil and Gas Exposures
provides guidance on reserve based lending, concentration management, and working with troubled borrowers for financial institutions with direct or indirect exposures
Shared National Credit
Shared National Credit Program
overview and archived findings from the interagency review of large syndicated loans
Shared National Credit Reporting
forms and instructions to be used by financial institutions that are an agent or participant in a shared national credit
Loan Commitment Threshold
for inclusion in the shared national credit program
Working with Borrowers
Joint Statement on Additional Loan Accommodations Related to COVID-19
provides risk management and consumer protection principles to consider while working with borrowers for loans nearing the end of initial accommodation periods
Revised Interagency Statement on Loan Modifications by Financial Institutions Working with Customers Affected by the Coronavirus
encourages the activity and provides supervisory views on regulatory reporting of past due and nonaccrual loans, and troubled debt restructurings
Frequently Asked Questions on Coronavirus Impact
address a variety of issues that may arise as financial institutions work with customers and communities
Supplemental information related to safe-and-sound banking operations.
FDIC's Supervisory Insights — Summer 2018
article, “Oil Price Volatility and Bank Performance: A View from the Supervisory Process"
FDIC's Supervisory Insights — Fall 2019
article, “Leveraged Lending: Evolution, Growth and Heightened Risk"