Sample records for loan protection act
-
Bank Loan Loss Provisions, Investor Protection and the Macroeconomy
Ozili, Peterson K
2017-01-01
This study investigates the non-discretionary determinants of bank loan loss provisions in Africa after controlling for macroeconomic fluctuation, financial development and investor protection. We find that non-performing loans, loan-to-asset ratio and loan growth are significant non-discretionary drivers of bank provisions in the African region. We observe that bank provision is a positive function of non-performing loans up to a threshold beyond which bank provisions will no longer increase...
-
2011-07-20
... have a choice of health plans to fit their needs. Exchanges will give individuals and small businesses... Protection and Affordable Care Act; Establishment of Consumer Operated and Oriented Plan (CO-OP) Program... implement the Consumer Operated and Oriented Plan (CO-OP) program, which provides loans to foster the...
-
76 FR 9213 - Small Business Jobs Act: 504 Loan Program Debt Refinancing
2011-02-17
... history instead of only one year. The Jobs Act also provides that this refinancing program is not... year period was either deferred or more than 30 days past due. Any delinquency in payment of the loan...
-
Directory of Open Access Journals (Sweden)
Bathmanathan Vasie Naicker
2013-06-01
Full Text Available Since it has been observed that credit granting is a serious problem across the entire credit market, South Africa introduced National Credit Act 34 of 2005 in order to regulate the credit industry and protect credit consumers from becoming over-indebted. The study highlights and examines the implementation of the Act in relation to the South African home loans market, focussing on First National Bank home loans portfolio. The study documents that the current state of consumer indebtedness shows that both credit institutions and consumers were responsible for over extending retail credit. The study noticed that credit industry has significantly managed to regulate the retail credit through the implementation of the Act. Furthermore, the study finds that a new stakeholder such as a debt counsellor has been introduced into the retail credit value chain for debt counselling for over-indebted clients. However, the study recommends that internal forums within banks as well as industry-wide forums should be used in order to ensure that the implementation of a regulation that impacts the entire credit industry is implemented with all stakeholders to limit any possible misinterpretation of key sections of a new regulation.
-
2010-01-01
... housing loans-consumer protection provisions. 590.4 Section 590.4 Banks and Banking OFFICE OF THRIFT... manufactured housing loans—consumer protection provisions. (a) Definitions. As used in this section: (1... protection to consumers. Such determinations shall be published in the Federal Register and shall operate...
-
Radiological Protection Act 1970
International Nuclear Information System (INIS)
1970-01-01
This Act provides for the establishment of a Radiological Protection Board to undertake research and advise on protection from radiation hazards. Its functions include provision of advice to Government departments with responsibilities in relation to protection of sectors of the community or the community as a whole against the hazards of ionizing radiation. The Act, which lays down that the Board shall replace certain departments concerned with radiation protection, repeals several Sections of the Radioactive Substances Act 1948 and the Science and Technology Act 1965. (NEA) [fr
-
International Nuclear Information System (INIS)
Persson, L.
1989-01-01
The new Radiation Protection Act (1988:220) entered into force in Sweden on July 1st, 1988. This book presents the Act as well as certain regulations connected to it. As previously, the main responsibility for public radiation protection will rest with one central radiation protection authority. According to the 1988 Act, the general obligations with regard to radiation protection will place a greater responsibility than in the past on persons carrying out activities involving radiation. Under the act, it is possible to adjust the licensing and supervisory procedures to the level of danger of the radiation source and the need for adequate competence, etc. The Act recognises standardised approval procedures combined with technical regulations for areas where the risks are well known. The Act contains several rules providing for more effective supervision. The supervising authority may in particular decide on the necessary regulations and prohibitions for each individual case. The possibilities of using penal provisions have been extended and a rule on the mandatory execution of orders has been introduced. The Ordinance on Radiation Protection (1988:293) designates the National Institute of Radiation Protection (SSI) as the central authority referred to in the Radiation Protection Act. The book also gives a historic review of radiation protection laws in Sweden, lists regulations issued by SSI and presents explanations of radiation effects and international norms in the area. (author)
-
An Asset Protection Scheme for Banks Exposed to Troubled Loan Portfolios
DEFF Research Database (Denmark)
Grosen, Anders; Jessen, Pernille; Kokholm, Thomas
2014-01-01
We examine a specific portfolio credit derivative, an Asset Protection Scheme (APS), and its applicability as a discretionary regulatory tool to reduce asymmetric information and help restore the capital base of troubled banks. The APS can be a fair-valued contract with an appropriate structure...... of incentives. We apply two alternative multivariate structural default risk models: the classical Gaussian Merton model and a model based on Normal Inverse Gaussian processes. Using a data set on annual farm level data from 1996 to 2009, we use the Danish agricultural sector as a case study and price an APS...... on an agricultural loan portfolio. We compute the economic capital for this loan portfolio with and without an APS. Moreover, we illustrate how model risk in the form of parameter uncertainty is reduced when an APS is attached to the loan portfolio....
-
2013-07-24
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
2010-07-16
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...
-
2013-01-22
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
2010-02-02
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
2012-01-27
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by...). The interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period...
-
2011-01-24
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
2011-08-04
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
2012-07-20
... Programs Under the National Housing Act--Debenture Interest Rates AGENCY: Office of the Assistant Secretary... in the interest rates to be paid on debentures issued with respect to a loan or mortgage insured by... interest rate for debentures issued under section 221(g)(4) of the Act during the 6-month period beginning...
-
24 CFR 201.41 - Loan servicing.
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan servicing. 201.41 Section 201... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan Administration § 201.41 Loan servicing. (a) Generally...
-
2010-04-01
... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Loan amounts. 201.10 Section 201.10... MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES TITLE I PROPERTY IMPROVEMENT AND MANUFACTURED HOME LOANS Loan and Note Provisions § 201.10 Loan amounts. (a) Property...
-
27 CFR 6.61 - Guaranteeing loans.
2010-04-01
... OF THE TREASURY LIQUORS âTIED-HOUSEâ Unlawful Inducements Guaranteeing Loans § 6.61 Guaranteeing loans. The act by an industry member of guaranteeing any loan or the repayment of any financial...
-
76 FR 6185 - Registration of Mortgage Loan Originators
2011-02-03
... UNION ADMINISTRATION Registration of Mortgage Loan Originators AGENCY: Office of the Comptroller of the..., Agency-regulated institutions) who act as a residential mortgage loan originator to register with the... registration system for mortgage loan originators. Specifically, the Act requires: (1) All States to provide...
-
Preventive Radiation Protection Act
International Nuclear Information System (INIS)
Roewer, H.
1988-01-01
The commentary is intended to contribute to protection of the population by a practice-oriented discussion and explanation of questions arising in connection with the Preventive Radiation Protection Act. Leaving aside discussions about abandonment of nuclear power, or criticism from any legal point of view, the commentary adopts the practical approach that accepts, and tries to help implementing, the act as it is. It is a guide for readers who are not experts in the law and gives a line of orientation by means of explanations and sometimes by citations from other acts (in footnotes). The commentary also presents the EURATOM Directive No. 3954/87 dated 22 December 1987, the EC Directive No. 3955/87 dated 22 December 1987, and the EC Directive No. 1983/88 dated 5 July 1988. A tabular survey shows the system of duties and competences defined by the Preventive Radiation Protection Act. (RST) [de
-
Radiological Protection Miscellaneous Provisions Act 2014
International Nuclear Information System (INIS)
Irish Legislation
2014-07-01
This Act provides for the dissolution of the Radiological Protection Institute of Ireland and the transfer of all its functions, assets, liabilities and staff to the Environmental Protection Agency, to give effect to the Amendment to the Convention on the Physical Protection of Nuclear Material done at Vienna on 8 July 2005, to amend the Radiological Protection Act 1991, the Environmental Protection Agency Act 1992 and certain other enactments, and to provide for matters connected therewith
-
Australian Radiation Protection and Nuclear Safety Act 1998. Act No 133
International Nuclear Information System (INIS)
1999-01-01
A set of legislation consisting of three Acts in the field of radiation protection and nuclear safety was passed by both Houses of Parliament on 10 December 1998 and was proclaimed on 5 February 1999. Act No. 133 - Australian Radiation Protection and Nuclear Safety Act, which is a framework Law, established the Australian Radiation Protection and Nuclear Safety Agency (ARPANSA) as the regulatory body for radiation protection and nuclear safety, in place of the Nuclear Safety Bureau. The Chief Executive Officer of ARPANSA, who is appointed by the Governor-General for a term of up to 5 years, is obliged to submit annual and quarterly reports to the Minister on the operations of the Chief Executive Officer, ARPANSA, the Council, the Radiation Health Committee and the Nuclear Safety Committee. The Council is a consultative body which examines issues relating to radiation protection and nuclear safety and advises the Chief Executive Officer on these issues as well as on the adoption of recommendations, policies and codes. The Radiation Health Committee and the Nuclear Safety Committee are to be established as advisory committees to the Chief Executive Officer or the Council. Both committees should draft national policies, codes and standards in their respective fields and review their effectiveness periodically. The second in this series of legislation, Act No. 134, Australian Radiation Protection and Nuclear Safety (License Charges) Act requires holders of both facility and source licenses to pay an annual charge, to be prescribed by the regulations. The third, Act No. 135 , Australian Radiation Protection and Nuclear Safety (Consequential Amendments) Act repeals those provisions of the 1987 Australian Nuclear Science and Technology Organisation Act which concern the Nuclear Safety Bureau, and the 1978 Environment Protection Act as a whole
-
Australian Radiation Protection and Nuclear Safety Act 1998. Act No 133
Energy Technology Data Exchange (ETDEWEB)
NONE
1999-11-01
A set of legislation consisting of three Acts in the field of radiation protection and nuclear safety was passed by both Houses of Parliament on 10 December 1998 and was proclaimed on 5 February 1999. Act No. 133 - Australian Radiation Protection and Nuclear Safety Act, which is a framework Law, established the Australian Radiation Protection and Nuclear Safety Agency (ARPANSA) as the regulatory body for radiation protection and nuclear safety, in place of the Nuclear Safety Bureau. The Chief Executive Officer of ARPANSA, who is appointed by the Governor-General for a term of up to 5 years, is obliged to submit annual and quarterly reports to the Minister on the operations of the Chief Executive Officer, ARPANSA, the Council, the Radiation Health Committee and the Nuclear Safety Committee. The Council is a consultative body which examines issues relating to radiation protection and nuclear safety and advises the Chief Executive Officer on these issues as well as on the adoption of recommendations, policies and codes. The Radiation Health Committee and the Nuclear Safety Committee are to be established as advisory committees to the Chief Executive Officer or the Council. Both committees should draft national policies, codes and standards in their respective fields and review their effectiveness periodically. The second in this series of legislation, Act No. 134, Australian Radiation Protection and Nuclear Safety (License Charges) Act requires holders of both facility and source licenses to pay an annual charge, to be prescribed by the regulations. The third, Act No. 135 , Australian Radiation Protection and Nuclear Safety (Consequential Amendments) Act repeals those provisions of the 1987 Australian Nuclear Science and Technology Organisation Act which concern the Nuclear Safety Bureau, and the 1978 Environment Protection Act as a whole
-
National Oceanic and Atmospheric Administration, Department of Commerce — The Marine Mammal Protection Act (MMPA or Act) prohibits, with certain exceptions, the "take" of marine mammals in U.S. waters and by U.S. citizens on the high seas,...
-
7 CFR 1703.112 - Expedited telecommunications loans
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Expedited telecommunications loans 1703.112 Section... § 1703.112 Expedited telecommunications loans RUS will expedite consideration and determination of an application submitted by an RUS telecommunications borrower for a loan under the Act or an advance of such...
-
Radiation Protection Ordinance. Preventive Radiation Protection Act. 3. rev. and enlarged ed.
International Nuclear Information System (INIS)
Kramer, R.; Zerlett, G.
1990-01-01
This 3rd edition presents the official explanations of the legislative intent behind the Radiation Protection Ordinance of 1976 and the 2nd amending ordinance, and the commentaries which as usual refer to the legal aspects and the related medical, scientific, and technical aspects. As a consequence of the reactor accident at Chernobyl, the existing radiation protection law has been extended by the Act for Preventive Measures for Pretection of the Population Against the Hazards of Ionizing Radiation (Preventive Radiation Protection Act), establishing preventive legal provisions and measures, so that this new edition has likewise been extended by commentaries on the Protective Radiation Protection Act and an introduction to the new area of law. The material also includes the Act for Establishment of a Federal Office for Radiation Protection, of October 9, 1989, which amended the Atomic Energy Act and the Preventive Radiation Protection Act. The correction of the Radiation Protection Ordinance of October 16, 1989 (BGBl. I p. 1926) has been incorporated into the text of the amended version of the Radiation Protection Ordinance. Court decisions and literature referred to cover material published up to the first months of 1989. (orig.) [de
-
76 FR 30286 - Community Development Revolving Loan Fund
2011-05-25
... Revolving Loan Fund AGENCY: National Credit Union Administration (NCUA). ACTION: Proposed rule. SUMMARY..., evaluates, and acts on credit union applications seeking loans and technical assistance grants from the Community Development Revolving Loan Fund (CDRLF or Fund). The proposed changes update the current rule to...
-
7 CFR 1786.209 - Outstanding loan documents.
2010-01-01
... all provisions of its RUS loan contract, its outstanding notes issued to RUS, and the RUS mortgage. (b... making prepayments on any loans pursuant to the RE Act in accordance with the terms thereof or as may be...
-
Healing Arts Radiation Protection Act
International Nuclear Information System (INIS)
1984-07-01
The Healing Arts Radiation Protection Act is concerned with regulating the registration, installation, operation, inspection and safety of X-ray machines. The Act provides for the establishment of the Healing Arts Radiation Protection Commission which is responsible for reporting on all the above matters to the Ontario Minister of Health. In addition the board is responsible for the continuing development of an X-ray safety code and for the submission of an annual report of their activities to the minister
-
24 CFR 232.565 - Maximum loan amount.
2010-04-01
... URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE INSURANCE FOR NURSING HOMES, INTERMEDIATE CARE FACILITIES, BOARD AND CARE HOMES, AND ASSISTED... Fire Safety Equipment Eligible Security Instruments § 232.565 Maximum loan amount. The principal amount...
-
Radiological protection act, 1991
International Nuclear Information System (INIS)
1991-01-01
This Act provides for the establishment of the Radiological Protection Institute of Ireland and dissolves An Bord Fuinnimh Nuicleigh (the Board), transferring its assets and liabilities to the Institute. It sets out a range of radiation protection measures to be taken by various Ministers in the event of a radiological emergency and gives effect at national level to the Assistance Convention, the Early Notification Convention and the Physical Protection Convention. The Institute is the competent Irish authority for the three Conventions. (NEA) [fr
-
Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.
This document is a favorable report to the U.S. Senate on a bill that provides for the financial security of the Student Loan Marketing Association, an act which amends the Higher Education Act of 1965. The report urges the passage of this bill which sets forth various capital levels that safeguard the government from the possibility of loss…
-
The Confidentiality of Interlibrary Loan Records.
Nolan, Christopher W.
1993-01-01
Discusses potential problems for confidentiality within interlibrary loan requests, outlines legal issues related to confidentiality, and proposes guidelines intended to protect library users' rights to privacy. Interlibrary loan documentation procedures are considered; laws and professional standards are reviewed; and the disposition of…
-
Energy Technology Data Exchange (ETDEWEB)
1988-01-31
Two laws governing activities in the marine environment are considered in this Reference Book. The Marine Protection, Research, and Sanctuaries Act (MPRSA, P.L. 92-532) regulates ocean dumping of waste, provides for a research program on ocean dumping, and provides for the designation and regulation of marine sanctuaries. The Marine Mammal Protection Act (MMPA, P.L. 92-522) establishes a federal program to protect and manage marine mammals. The Fishery Conservation and Management Act (FCMA, P.L. 94-265) establishes a program to regulate marine fisheries resources and commercial marine fishermen. Because the Department of Energy (DOE) is not engaged in any activities that could be classified as fishing under FCMA, this Act and its regulations have no implications for the DOE; therefore, no further consideration of this Act is given within this Reference Book. The requirements of the MPRSA and the MMPA are discussed in terms of their implications for the DOE.
-
12 CFR 528.6 - Loan application register.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Loan application register. 528.6 Section 528.6 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION... Mortgage Disclosure Act Loan Application Registers with the Office of Thrift Supervision in accordance with...
-
7 CFR 761.9 - Interest rates for direct loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Interest rates for direct loans. 761.9 Section 761.9... AGRICULTURE SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.9 Interest rates for direct loans. Interest rates for all direct loans are set in accordance with the Act. A copy of the...
-
75 FR 65238 - Loan Guaranty: Elimination of Redundant Regulations; Correction
2010-10-22
... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN71 Loan Guaranty: Elimination of... June 15, 2010 (75 FR 33704), amending its loan guaranty regulations to eliminate redundant regulations... INFORMATION CONTACT: William White, Acting Assistant Director for Loan Processing and Valuation (262...
-
24 CFR 201.20 - Property improvement loan eligibility.
2010-04-01
... estimated cost. (2) The loan proceeds shall be used only to finance property improvements that substantially protect or improve the basic livability or utility of the property. The Secretary will establish a list of... the Secretary before making a loan. (3) The loan proceeds shall only be used to finance property...
-
7 CFR 1610.6 - Concurrent Bank and RUS cost-of-money loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Concurrent Bank and RUS cost-of-money loans. 1610.6..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.6 Concurrent Bank and RUS cost-of-money loans. (a) The Bank makes loans, under section 408 of the Act, concurrently with RUS cost-of-money loans made under section...
-
24 CFR 573.7 - Loan guarantee agreement.
2010-04-01
... will require the Borrower to provide collateral security, to an extent and in a form, acceptable to HUD... property with comparable new property; (5) The lender will follow certain claim procedures to be specified... underlying collateral security for the loan; and (7) The lender will act as the fiscal agent for the loan...
-
13 CFR 120.391 - What is the Builders Loan Program?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What is the Builders Loan Program? 120.391 Section 120.391 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS...)(9) of the Act, SBA may make or guarantee loans to finance small general contractors to construct or...
-
The Bald and Golden Eagle Protection Act, species-based legal ...
African Journals Online (AJOL)
The Bald and Golden Eagle Protection Act of 1940 bestows legal protection on two North American eagle species in the United States of America. The Act was originally aimed at the legal protection of only one species: the Bald Eagle Haliaeetus leucocephalus, the national symbol of the USA. Later the Act was amended to ...
-
24 CFR 236.253 - Premiums-operating loss loans.
2010-04-01
... Obligations for Mortgage Insurance § 236.253 Premiums—operating loss loans. All of the provisions of § 207.252a of this chapter relating to mortgage insurance premiums on operating loss loans shall apply to... Act the mortgage insurance premiums due in accordance with § 207.252a shall be calculated on the basis...
-
2013-06-20
...: Enterprise and Federal Home Loan Bank Housing Goals Related Enforcement Amendment AGENCY: Federal Housing... Mortgage Corporation (Freddie Mac), or the Federal Home Loan Banks (Banks) for failure to submit or follow... 1209. 2. Bank Housing Plan Enforcement Section 10C(a) of the Federal Home Loan Bank Act (Bank Act), as...
-
7 CFR 1435.103 - Availability, disbursement, and maturity of loans.
2010-01-01
... information as prescribed by CCC of the commodity to be pledged as collateral; (4) Pay CCC a loan service fee... on sugar or in-process sugar pledged as loan collateral, obtain waivers that fully protect CCC's... produced and are otherwise established as being eligible to be pledged as loan collateral. (c)(1) A...
-
NON-PERFORMING LOANS DEVELOPMENT IN ROMANIA
Directory of Open Access Journals (Sweden)
ILIE RĂSCOLEAN
2014-12-01
Full Text Available Bad loans are essentially loans with arrears of 90 days or more, and the criterion of 90 days is the most common practice in different countries to determine indicators on the bad in lending. Credit risk is one of the most important financial risks facing the banking system is assumed by all credit institutions and may cause serious problems so that bank and the whole system if risk exposure is substantial. From this point of view, the most important function of bank management is to control the quality of the loan portfolio. This is because the poor quality of loans is the leading cause of bankruptcy. In accordance with the central bank, credit institutions are obliged to protect the bank's capital and the deposits of individuals and legal entities and to cover any loans that present uncertainties in recovery, to determine and utilize prudential value adjustments. The central bank aims NPL development using aggregated indicators on credit institutions. Conclusions are presented on developments and trends in non-performing loans in the portfolio of credit institutions in Romania.
-
76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments
2011-12-21
... FEDERAL HOUSING FINANCE AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals... governing housing goals for the Federal Home Loan Banks (Banks) to make those requirements consistent with... Section 1205 of the Housing and Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank...
-
44 CFR 206.6 - Donation or loan of Federal equipment and supplies.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Donation or loan of Federal... Donation or loan of Federal equipment and supplies. (a) In any major disaster or emergency, the... governments for use and distribution by them for the purposes of the Stafford Act. (b) A donation or loan may...
-
24 CFR 570.705 - Loan requirements.
2010-04-01
... taxation as provided in section 108(j) of the Act. (f) Loan repayment period. The term of debt obligations..., shall preclude or limit HUD's exercise of: (1) The power to contract with respect to public offerings...
-
The American Inventors Protection Act
Hoffmann, Arvid O.I.; Kleimeier, Stefanie; Mimiroglu, Nagihan; Pennings, Joost M.E.
2018-01-01
We examine the impact of innovation disclosure through patenting on firms' cost of debt, focusing on the American Inventors Protection Act (AIPA) as an exogenous shock in innovation disclosure regulation. Post-AIPA, firms have an incentive to apply for patents only if commercial success is likely.
-
Use this T&C for DERA Smartway financing projects where an eligible nonprofit grantee is implementing a loan program and loan Recipients will use the loan funds for activities that trigger Davis Bacon.
-
42 CFR 417.937 - Loan and loan guarantee provisions.
2010-10-01
... 42 Public Health 3 2010-10-01 2010-10-01 false Loan and loan guarantee provisions. 417.937 Section... HEALTH CARE PREPAYMENT PLANS Administration of Outstanding Loans and Loan Guarantees § 417.937 Loan and loan guarantee provisions. (a) Disbursement of loan proceeds. The principal amount of any loan made or...
-
7 CFR 1751.103 - Loan and loan advance requirements.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan and loan advance requirements. 1751.103 Section... Telecommunications Modernization Plan § 1751.103 Loan and loan advance requirements. (a) For information about loan... February 13, 1996, RUS will make RUS hardship loans, RUS cost-of-money loans, and RTB loans for facilities...
-
Radiological Protection (Amendment) Act, 2002. Number 3 of 2002
International Nuclear Information System (INIS)
2002-01-01
This Act amends the Radiological Protection Acts, 1991 and 1995, and provides for the making of grants out of funds provided by the legislature for remediation works for houses having certain levels of radon gas and for the administration by the Radiological Protection Institute of Ireland of such grants and to provide for related matters
-
Act concerning the establishment of a Federal Office for Radiation Protection
International Nuclear Information System (INIS)
1989-01-01
The Federal Office for Radiation Protection shall be placed under the competence of the Federal Minister for the Environment, Nature Conservation and Reactor Safety, and shall have the powers of a higher federal authority. The Office shall have its seat in Salzgitter. The Office shall fulfil administrative tasks within the federal powers in the fields of radiation protection including preventive radiation protection, nuclear safety, transport of radioactive materials, and nuclear waste management including the construction and operation of installations under the competence of the Federal Covernment, for the collection and ultimate disposal of nuclear wastes. The Office shall fulfil such Federal tasks as are defined in these areas by the Atomic Energy Act, the Act on Preventive Radiation Protection, or any other federal act, or such tasks as will be assigned to the Office on the basis of said acts. Any amendments of the above acts required for proper fulfilment of tasks by the Federal Office for Radiation Protection shall be duly announced. (orig./HP) [de
-
Radiation Protection Act promulgated on May 19, 1988, SFS 1988: 220
International Nuclear Information System (INIS)
1988-01-01
This Act entered into force on 1 July 1988 and supersedes the previous Radiation Protection Act (SFS 1958: 110). The objective of the new Act is to protect humans, animals and the environment from the harmful effects of ionizing as well as non-ionizing radiation. As previously, the main responsibility for public radiation protection will rest with one central radiation protection authority. The general obligations with regard to radiation protection place a greater responsibility than in the past on persons carrying out activities involving radiation. The Act also contains rules governing decommissioning of technical equipment which could generate radiation. Basically, the same requirements still apply regarding licensing of activities involving ionizing radiation, with certain extensions covering, inter alia, also production and transportation of radioactive material. Under the Act, it is now possible to adjust the licensing and supervisory procedures to the level of danger of the radiation source and the need for adequate competence, etc., and finally, more effective supervision is provided for. (NEA) [fr
-
Comprehensive Environmental Response, Compensation and Liability Act (CERCLA) or Superfund, Section 104(k); and CERCLA Section 104(d); ‘‘ ‘Discounted Loans’ Under Brownfields Revolving Loan Fund Grants’`
-
12 CFR 584.9 - Prohibited acts.
2010-01-01
... Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY SAVINGS AND LOAN HOLDING COMPANIES § 584.9 Prohibited acts. (a) Control of mutual savings association. No savings and loan holding company or any subsidiary thereof, or any director, officer, or employee of a savings and loan holding company or...
-
Microcomputers: An Interlibrary Loan Application.
Evans, Elizabeth A.
1984-01-01
Description of a microcomputer-based system for local processing of interlibrary loan (ILL) requests developed at Environmental Protection Agency library discusses database management systems, hardware, databases, and command files. Subsequent changes resulting from system's implementation at East Carolina University Health Sciences Library are…
-
Directory of Open Access Journals (Sweden)
Johann C Knobel
2015-12-01
Full Text Available The Bald and Golden Eagle Protection Act of 1940 bestows legal protection on two North American eagle species in the United States of America. The Act was originally aimed at the legal protection of only one species: the Bald Eagle Haliaeetus leucocephalus, the national symbol of the USA. Later the Act was amended to extend protection also to the Golden Eagle Aquila chrysaetos. The Bald Eagle was an Endangered Species, but the Golden Eagle was not formally listed as Endangered nationwide in the USA. One of the reasons for extending legal protection to the Golden Eagle under the Act was to strengthen the legal protection of the Bald Eagle, because immature Bald Eagles were being misidentified as Golden Eagles and shot. Additional factors relating to Golden Eagle mortality also made legal protection of the Golden Eagle desirable. The danger that a rare and legally protected species can be misidentified and mistaken for a more common and unprotected species can therefore serve as a reason for bestowing legal protection on the more common species as well. Other factors may also indicate that legal protection of the more common species is desirable, making the case more compelling. If this line of reasoning is applied in respect of South African birds of prey, a strong case can be made in favour of extending legal protection under the national biodiversity legislation to more species than the small number of species currently enjoying such protection. Species that are listed as Vulnerable under South African national biodiversity legislation may be misidentified as species that are not subject to such protection. Additional factors are also present that make such an extension of legal protection desirable.
-
7 CFR 1786.162 - Outstanding loan documents.
2010-01-01
... outstanding notes issued to RUS, and the RUS Mortgage. (b) Nothing in this subpart shall affect any rights of... shall prohibit a borrower from making prepayments of any loans pursuant to the RE Act in accordance with...
-
16 CFR 313.16 - Protection of Fair Credit Reporting Act.
2010-01-01
... CONGRESS PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 313.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 16 Commercial Practices 1 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 313...
-
Consumer protection act for digital products
Hampel, Viktor E.
1996-03-01
This report proposes a `Consumer Protection Act for Digital Products' to support electronic commerce and to control the increasing abuse and lack of security on the national information highways. Patterned after the `Food and Drug Act of 1906 (21 USC)' and subsequent legislation, a new agency similar to that of the FDA would have the authority `to develop administrative policy with regard to the safety, effectiveness, and labeling of digital products and their communications for human use, and to review and evaluate new applications of such products.' Specifically, it is proposed that standards, originally developed by the defense industry for the labeling, enveloping, and authentication of digital products delivered to the Government, be extended to promote global electronic commerce by protecting the intellectual property rights of producers, establishing their liability for the end-use of digital products, and give consumers means for informed decision making and purchase.
-
12 CFR 216.16 - Protection of Fair Credit Reporting Act.
2010-01-01
... PRIVACY OF CONSUMER FINANCIAL INFORMATION (REGULATION P) Relation to Other Laws; Effective Date § 216.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 216.16...
-
12 CFR 716.16 - Protection of Fair Credit Reporting Act.
2010-01-01
... PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 716.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 716.16...
-
12 CFR 332.16 - Protection of Fair Credit Reporting Act.
2010-01-01
... GENERAL POLICY PRIVACY OF CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 332.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or... 12 Banks and Banking 4 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 332.16...
-
Environment Protection (Alligator Rivers Region) Act 1978, No.28
International Nuclear Information System (INIS)
1978-01-01
The main object of this Act is to provide for the appointment of a Supervising Scientist responsible for supervising protection of the environment in the Alligator Rivers Region of the Northern Territory from the effects of uranium mining operations. His functions include advising the competent Minister on the effects of uranium mining operations on the environment and on standards, practices and procedures for its protection and restoration. The Act also sets up a Co-ordinating Committee responsible for programmes for research into the environmental effects of such mining operations and also keeping under review standards, practices and procedures for environmental protection in relation thereto. Finally the Act provides for the establishment of a Research Institute managed by the Supervising Scientist, to promote and assist in research as well as to collect information on the environmental effects of uranium mining operations. (NEA) [fr
-
7 CFR 1710.104 - Service to non-RE Act beneficiaries.
2010-01-01
... GUARANTEES Loan Purposes and Basic Policies § 1710.104 Service to non-RE Act beneficiaries. (a) To the... made to finance electric facilities to serve consumers that are not RE Act beneficiaries. (b) Loan...
-
12 CFR 573.16 - Protection of Fair Credit Reporting Act.
2010-01-01
... CONSUMER FINANCIAL INFORMATION Relation to Other Laws; Effective Date § 573.16 Protection of Fair Credit Reporting Act. Nothing in this part shall be construed to modify, limit, or supersede the operation of the... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Protection of Fair Credit Reporting Act. 573.16...
-
Cabotegravir long acting injection protects macaques against intravenous challenge with SIVmac251.
Andrews, Chasity D; Bernard, Leslie St; Poon, Amanda Yee; Mohri, Hiroshi; Gettie, Natanya; Spreen, William R; Gettie, Agegnehu; Russell-Lodrigue, Kasi; Blanchard, James; Hong, Zhi; Ho, David D; Markowitz, Martin
2017-02-20
We evaluated the effectiveness of cabotegravir (CAB; GSK1265744 or GSK744) long acting as preexposure prophylaxis (PrEP) against intravenous simian immunodeficiency virus (SIV) challenge in a model that mimics blood transfusions based on the per-act probability of infection. CAB long acting is an integrase strand transfer inhibitor formulated as a 200 mg/ml injectable nanoparticle suspension that is an effective PrEP agent against rectal and vaginal simian/human immunodeficiency virus transmission in macaques. Three groups of rhesus macaques (n = 8 per group) were injected intramuscularly with CAB long acting and challenged intravenously with 17 animal infectious dose 50% SIVmac251 on week 2. Group 1 was injected with 50 mg/kg on week 0 and 4 to evaluate the protective efficacy of the CAB long-acting dose used in macaque studies mimicking sexual transmission. Group 2 was injected with 50 mg/kg on week 0 to evaluate the necessity of the second injection of CAB long acting for protection against intravenous challenge. Group 3 was injected with 25 mg/kg on week 0 and 50 mg/kg on week 4 to correlate CAB plasma concentrations at the time of challenge with protection. Five additional macaques remained untreated as controls. CAB long acting was highly protective with 21 of the 24 CAB long-acting-treated macaques remaining aviremic, resulting in 88% protection. The plasma CAB concentration at the time of virus challenge appeared to be more important for protection than sustaining therapeutic plasma concentrations with the second CAB long acting injection. These results support the clinical investigation of CAB long acting as PrEP in people who inject drugs.
-
Congress of the U.S., Washington, DC. House.
A report on the Guaranteed Student Loan Amendments (H.R. 14070) to Title IV of the Higher Education Act of 1965 considers the problems behind and implications of the loan program. Chief among the problems are the default rate, access to loans, the schools as lenders, and the role of the states in administering the program. Changes recommended…
-
The impact of the Consumer Protection Act on pharmacists.
du Toit, K; van Eeden, E
2014-11-01
The Consumer Protection Act of 2008 has had far-reaching consequences for suppliers of goods and services in South Africa. The implementation of the Act has important implications for all suppliers who enter into 'consumer transactions.' This article aims to stimulate awareness of the legal consequences of the Act arising from day-to-day situations occurring in the pharmacy, and to highlight the compliance obligations that the Act creates for pharmacists.
-
76 FR 48811 - Computer Matching and Privacy Protection Act of 1988
2011-08-09
... CORPORATION FOR NATIONAL AND COMMUNITY SERVICE Computer Matching and Privacy Protection Act of... of the Computer Matching and Privacy Protection Act of 1988 (54 FR 25818, June 19, 1989), and OMB... Security Administration (``SSA''). DATES: CNCS will file a report on the computer matching agreement with...
-
76 FR 78827 - Loan Guaranty Revised Loan Modification Procedures
2011-12-20
... DEPARTMENT OF VETERANS AFFAIRS 38 CFR Part 36 RIN 2900-AN78 Loan Guaranty Revised Loan... amends a Department of Veterans Affairs (VA) Loan Guaranty regulation related to modification of guaranteed housing loans in default. Specifically, changes are made to requirements related to maximum...
-
Safety of Municipal Loan in Ukraine
Directory of Open Access Journals (Sweden)
Stetsenko Tetiana V.
2014-03-01
Full Text Available The goal of the article is justification of the necessity of legal regulation of actions of the bodies of local self-government when detecting signs of insolvency. Each stage of municipal loans management is analysed from the point of view of availability of legal rules, which do not allow making municipal loans by territorial communities of the cities with weak financial state or regulate sequence of actions of municipalities in default times. The following results were obtained: majority of legal restrictions in the sphere of local finance management are directed at prevention of ungrounded loans or have the form of sanctions, applied to local bodies, which perform their debt obligations with delay; the state formally controls the process of making municipal loans, avoiding financial responsibility; the national legislation does not contain the mechanism of regulation of actions of territorial communities, which experience difficulties when performing debt obligations. The article proves expediency of adoption of a uniform regulatory-legal act in Ukraine, which would regulate all economic relations connected with making municipal loans. This legal document shall contain a section about actions of the municipality-debtor when signs of default start to appear, announcement of default and declaration of the debtor insolvent (bankrupt. The article recommends the following structure of this section: regulation of the procedure of default announcement avoidance; announcement of default with the pre-trial restoration of the debtor’s solvency; and announcement of default with declaring the debtor bankrupt juridically.
-
Radiation Protection and Control Act 1982. No 49 of 1982
International Nuclear Information System (INIS)
1982-01-01
This Act provides for radiation protection in the State of South Australia. It controls activities related to radioactive substances and irradiating apparatus and lays down a licensing system to this effect. The South Australia Health Commission is responsible for administering the Act and is advised by the Radiation Protection Committee created for this purpose. The powers and duties of both bodies are set out in detail. (NEA) [fr
-
2010-07-01
... an act of self-dealing described in section 406(b)(1), section 408(b)(1) provides an exemption from... loans, Z's subsequent use of the loan proceeds will not affect the determination of whether loans under... individual's race, color, religion, sex, age or national origin; (ii) In making such loans, consideration has...
-
Studying borrower level risk characteristics of education loan in India
Directory of Open Access Journals (Sweden)
Arindam Bandyopadhyay
2016-09-01
Full Text Available This paper empirically investigates the granular level risk of education loan using a cross section of data from 5000 borrowers obtained from four major public sector banks in India. The findings suggest that education loan defaults are mainly influenced by security, borrower margin, and repayment periods. The presence of guarantor or co-borrower and collateral significantly reduce default loss rates. The socioeconomic characteristics of borrowers and their regional locations also act as important factors associated with education loan defaults. The results suggest that by segmenting borrowers by probability of default and loss given default in a multidimensional scale, banks can adopt better risk mitigation and pricing strategies to resolve borrower problems.
-
Guide to the Federal Act for Protection against Nuisances
International Nuclear Information System (INIS)
Thomas, J.; Wiedemann, R.
1980-07-01
The Federal Act for Protection against Nuisances contains all legal provisions related to pollution, noise, convulsions and shocks, thermal effects and similar effects on the environment. Apart from provisions of the actual Act for Protection against Nuisances, provisions related to nuisances are to be found in a number of legal fields. The authors provide a handy, completable survey on all relevant laws, ordinances, administrative regulations and directives issued by the Government of the federation and its individual states, and on the authorities responsible for their execution. The manual helps improve the transparency of legal provisions and adminstrative competences. (HSCH) [de
-
75 FR 53007 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)
2010-08-30
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S...'s GO Loan Pilot until September 30, 2011. Due to the scope and magnitude of the devastation to... streamlined and centralized loan processing available through the GO Loan Pilot to small businesses in the...
-
75 FR 66699 - Farm Loan Programs Loan Making Activities; Correction
2010-10-29
... Loan Programs Loan Making Activities; Correction AGENCY: Farm Service Agency, USDA. ACTION: Proposed rule; correction. SUMMARY: This document contains a correction to the proposed rule titled ``Farm Loan Programs Loan Making Activities'' that was published September 23, 2010. The Farm Service Agency (FSA) is...
-
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Act. 541.2 Section 541.2 Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY DEFINITIONS FOR REGULATIONS AFFECTING FEDERAL SAVINGS ASSOCIATIONS § 541.2 Act. The term Act means the Home Owners' Loan Act of 1933, as amended. ...
-
2013-11-07
... AGENCY FOR INTERNATIONAL DEVELOPMENT 22 CFR Part 230 Israel Loan Guarantees Issued Under the... the Government of Israel on behalf of the State of Israel. Pursuant to the Emergency Wartime... International Development, may issue loan guarantees applicable to sums borrowed by the Government of Israel on...
-
Directory of Open Access Journals (Sweden)
Adela IONESCU
2014-05-01
Full Text Available A loan is probably the most important financial decision we make in life. In a time when lack of time affects us in every way, including financially, we can only appeal to specialists if we want fast, reliable and quality long-term services. „The notion of “creditor” includes all legal entities, branches of credit institution and nonbankingfinancial institutions that operate in Romania and grant or undertake to grant loans in itscommercial of professional activity”. In the case of loans, the "specialist" has been called loan broker. Loan broker is a person trained in intermediating bank loans who offers advice on choosing the best financial solutions for each client. Through partnerships with banks in Romania, the broker has access to their credit products and assist customers in choosing the loan that best suits their financial needs and possibilities. Moreover, the broker will help in preparing loan application to be submitted to the bank and pursue it to its completion. Loan broker can be defined as the person authorized by the bank or non-bank financial institutions to promote their products through direct contact with natural or legal persons wishing to contract a loan, without any of the parties to have exclusivity. There can be defined as an independent bank or non-bank financial institution, as an intermediary between customers and banks. Through its financial advisors , the company helps customers overcome the difficulty of understanding the credit products, difficulties arising from the multitude of factors that compose such a product, especially in the case of a housing loan or mortgage. Each financial institution is doing everything possible through such partnerships to attract the largest possible portfolio of clients, therefore is developing a real network of brokers to be partners for local or national level (depending on the sites coverage of the branches of each institution on one or more types of credit products. The
-
76 FR 27986 - Funding for the Conservation Loan Program; Farm Loan Programs
2011-05-13
... for the Conservation Loan Program; Farm Loan Programs AGENCY: Farm Service Agency, USDA. ACTION... or guaranteed loan applications for the Conservation Loan (CL) Program because of lack of program... provisions to the existing direct and guaranteed loan regulations found in 7 CFR parts 761, 762, 764, 765...
-
77 FR 13530 - Funding for the Conservation Loan Program; Farm Loan Programs
2012-03-07
... DEPARTMENT OF AGRICULTURE Farm Service Agency Funding for the Conservation Loan Program; Farm Loan... Service Agency (FSA) now has funding for and is accepting guaranteed loan applications for the Conservation Loan (CL) Program. Due to a lack of program funding for direct CLs, direct loan applications are...
-
75 FR 56487 - Loan Policies and Operations; Loan Purchases From FDIC
2010-09-16
...-AC62 Loan Policies and Operations; Loan Purchases From FDIC AGENCY: Farm Credit Administration. ACTION... authority to purchase from the Federal Deposit Insurance Corporation loans to farmers, ranchers, producers... Federal Deposit Insurance Corporation loans to farmers, ranchers, producers or harvesters of aquatic...
-
Enhancing Cooperative Loan Scheme Through Automated Loan ...
African Journals Online (AJOL)
2013-03-01
Mar 1, 2013 ... Financial transactions through manual system of operation .... Integrated Financial Accounting. The accounting processes for loans are supported within Loans ... principal and interest, and print checks, payment receipts, or ...
-
76 FR 18366 - Federal Home Loan Bank Liabilities
2011-04-04
... attachment for Book-entry consolidated obligations. 1270.19 Reference to certain Department of Treasury... authorized Federal Home Loan Bank (Bank) liabilities and book-entry procedures for COs, as new part 1270 of... Agency and Recent Legislation Effective July 30, 2008, the Housing and Economic Recovery Act of 2008...
-
7 CFR 1703.142 - Nonapproved purposes for loans.
2010-01-01
..., DEPARTMENT OF AGRICULTURE RURAL DEVELOPMENT Distance Learning and Telemedicine Loan Program § 1703.142... provider; (2) To duplicate facilities providing distance learning or telemedicine services in place or to...) For projects located in areas covered by the Coastal Barrier Resources Act (16 U.S.C. 3501 et seq...
-
76 FR 10062 - Notice of Single Family Loan Sales (SFLS 2011-1)
2011-02-23
...-8000; telephone 202-708- 2625, extension 3927. Hearing- or speech-impaired individuals may call 202-708... its bid on such Mortgage Loan. Freedom of Information Act Requests HUD reserves the right, in its sole... HUD is obligated to disclose pursuant to the Freedom of Information Act and all regulations...
-
76 FR 60960 - Gulf Opportunity Pilot Loan Program (GO Loan Pilot)
2011-09-30
... SMALL BUSINESS ADMINISTRATION Gulf Opportunity Pilot Loan Program (GO Loan Pilot) AGENCY: U.S.... SUMMARY: This notice announces the extension of SBA's GO Loan Pilot, with modifications, until December 31... processing available through the GO Loan Pilot to small businesses in the eligible parishes/counties through...
-
Bank Systemic Risk-Taking and Loan Pricing : Evidence from Syndicated Loans
Gong, D.
2014-01-01
In this paper we document evidence of systemic risk taking from syndicated loan pricing. Using U.S. syndicated loan data, we find that the borrower's idiosyncratic risk is positively priced whereas systematic risk is negatively related to loan spreads, controlling for firm, loan and bank specific
-
2010-12-13
...; Proposed New System of Records; Veterinary Medicine Loan Repayment Program AGENCY: National Institute of..., ``Veterinary Medicine Loan Repayment Program Records System, USDA/NIFA-1.'' This newly established system will... Sherman; National Program Leader, Veterinary Science; National Institute of Food and Agriculture...
-
Student Loans Driving You Crazy? A Borrower's Guide to Direct Consolidation Loans.
Office of Federal Student Aid (ED), Washington, DC.
This booklet describes the Direct Consolidation Loan program students can use to combine one or more student loans into a new loan. Things to consider before seeking a consolidation loan are outlined. Direct consolidation loans offer a number of advantages; they are free, result in one lender and one monthly payment, and offer flexible repayment…
-
76 FR 30246 - Loan Policies and Operations; Loan Purchases From FDIC
2011-05-25
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan... Administration (FCA or we) issues this final rule to amend its regulations on loan policies and operations. This... purchase from the Federal Deposit Insurance Corporation (FDIC) loans to farmers, ranchers, producers or...
-
76 FR 55936 - Notice of Single Family Loan Sales (SFLS 2011-3)
2011-09-09
...-8000; telephone 202-708- 2625, extension 3927. Hearing- or speech-impaired individuals may call 202-708... preparing its bid on such Mortgage Loan. Freedom of Information Act Requests HUD reserves the right, in its... disclose any information that HUD is obligated to disclose pursuant to the Freedom of Information Act and...
-
Environment Protection (Alligator Rivers Region) Amendment Act 1987 - No 17 of 1987
International Nuclear Information System (INIS)
1987-01-01
This Act amends the Environment Protection (Alligator Rivers Region) Act 1978. The amendments mainly concern definition of general mining operations and specification of the functions of the Supervisory Scientist and the Research Institute in relation to general mining in an environment conservation zone (parts of the Alligator Rivers Region). The 1978 Act provided for the appointment of a Supervising Scientist responsible for supervising protection of the environment against the effects of uranium mining in the Region, and for the creation of a Research Institute under his management. (NEA) [fr
-
2010-08-26
... and Consumer Protection Act and the Rulemakings That Will Be Proposed by the Commission AGENCY...-Frank Wall Street Reform and Consumer Protection Act (``Dodd-Frank Act'') was enacted on July 21, 2010... Consumer Protection Act (``Dodd-Frank Act''), Public Law 111-203, was enacted. The Dodd-Frank Act will...
-
Prasad, Sumanth; Menon, Ipseeta; Dhingra, Chandan; Anand, Richa
2013-12-01
The study aimed to assess the awareness of the Consumer Protection Act among dental health professionals in dental schools of Ghaziabad, India. A cross-sectional questionnaire survey was carried out on dental health professionals in dental schools of Ghaziabad, India. A total of 348 dental health professionals (170 males and 178 females) were surveyed, out of which 116 were MDS faculty, 45 were BDS faculty and 187 were pursuing post graduation. The questionnaire comprised of 24 questions about the awareness of consumer protection act. Statistical analysis was done using Chi-square test, student's t test and ANOVA. A total of 84.8% (n=295) reported to be aware of consumer protection act. Amongst them, MDS faculty showed more awareness as compared to BDS faculty and those pursuing post-graduation. Considering the present scenario, MDS faculty dental professionals have more awareness of consumer protection act compared to other dental professionals. So, we must upgrade our knowledge on consumer protection act at all levels of our profession and change our attitude by inculcating a practice to spread the message of consumer protection act for delivering quality dental care.
-
Maher, Brent D.
2016-01-01
The National Defense Education Act (NDEA) of 1958 was the first federal investment in low-interest student loans and became a precedent for expansion of student loans in the Higher Education Act of 1965. In its controversial loyalty provisions, the NDEA required loan recipients to affirm loyalty to the U.S. government. Between 1958 and 1962,…
-
New Croatian Act on Ionizing Radiation Protection
International Nuclear Information System (INIS)
Grgic, S.
1998-01-01
According to the new Croatian Act on ionizing radiation protection which is in a final stage of genesis, Ministry of Health of the Republic of Croatia is the governmental body responsible for all aspects relating sources of ionizing radiation in Croatia: practices, licenses, users, transport, in medicine and industry as well, workers with sources of ionizing radiation, emergency preparedness in radiological accidents, storage of radioactive wastes, x-ray machines and other machines producing ionizing radiation and radioactive materials in the environment. Ministry of Health is responsible to the Government of the Republic of Croatia, closely collaborating with the Croatian Radiation Protection Institute, health institution for the performance of scientific and investigation activities in the field of radiation protection. Ministry of Health is also working together with the Croatian Institute for the Occupational Health. More emphasis has been laid on recent discussion among the world leading radiation protection experts on justification of the last recommendations of the ICRP 60 publication. (author)
-
78 FR 64294 - Loan Guaranty: Mandatory Electronic Delivery of Loan Files for Review
2013-10-28
... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Mandatory Electronic Delivery of Loan Files for... Affairs (VA) Loan Guaranty Service (LGY) announces a new policy with regard to lender submission of VA- guaranteed closed loan files for review. Currently, lenders can submit loan files selected for review by LGY...
-
60 years of Health Protection under the Clean Air Acts
Longhurst, J.
2016-01-01
2016 marks 60 years of UK Clean Air Acts. This presentation explores the challenges, opportunities and progress since the Clean Air Act, 1956. It reflects upon historical attempts to manage air pollution noting success factors and barriers to progress. Particular attention is given to the impact of the 1952 Great Smog and the role of National Smoke Abatement Society, the forerunner of Environmental Protection UK, in creating the momentum for the 1956 Act. The presentation concludes with a rev...
-
40 CFR 33.402 - Are there special rules for loans under EPA financial assistance agreements?
2010-07-01
... agreement to capitalize revolving loan funds must either apply its own fair share objectives negotiated with... UNITED STATES ENVIRONMENTAL PROTECTION AGENCY PROGRAMS Fair Share Objectives § 33.402 Are there special... negotiate separate fair share objectives with entities receiving identified loans, as long as such separate...
-
14 CFR 374.3 - Compliance with the Consumer Credit Protection Act and regulations.
2010-01-01
... requirements of the Consumer Credit Protection Act, 15 U.S.C. 1601-1693r. Any violation of the following... PROTECTION ACT WITH RESPECT TO AIR CARRIERS AND FOREIGN AIR CARRIERS § 374.3 Compliance with the Consumer... 14 Aeronautics and Space 4 2010-01-01 2010-01-01 false Compliance with the Consumer Credit...
-
2012-09-04
... Bancorp, Inc., and thereby indirectly acquire control of Midwest Federal Savings and Loan Association of... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12...
-
77 FR 70583 - Patient Protection and Affordable Care Act; Health Insurance Market Rules; Rate Review
2012-11-26
... Parts 144, 147, 150, et al. Patient Protection and Affordable Care Act; Health Insurance Market Rules... and 156 [CMS-9972-P] RIN 0938-AR40 Patient Protection and Affordable Care Act; Health Insurance Market... Affordable Care Act with respect to health insurance issuers and group health plans that are non-federal...
-
2010-08-20
... VII of Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY: Securities and Exchange... comments. SUMMARY: The Dodd-Frank Wall Street Reform and Consumer Protection Act (the ``Dodd-Frank Act... requirements. \\1\\ Dodd-Frank Wall Street Reform and Consumer Protection Act, Public Law No. 111-203, 124 Stat...
-
76 FR 20569 - Horse Protection Act; Petition for Amendments to Regulations
2011-04-13
... of Cruelty to Animals, the American Horse Protection Association, Inc., Friends of Sound Horses, Inc... DEPARTMENT OF AGRICULTURE Animal and Plant Health Inspection Service 9 CFR Part 11 [Docket No. APHIS-2011-0006] Horse Protection Act; Petition for Amendments to Regulations AGENCY: Animal and Plant...
-
Federal Student Aid, US Department of Education, 2014
2014-01-01
For those needing a loan to attend college, think federal aid first. Federal student loans usually offer borrowers lower interest rates and have more flexible repayment terms and options than private student loans. This brief report answers the following questions about federal aid: (1) What is a federal student loan?; (2) What is a private…
-
Beyond Financial Need: Predictors of Student Loans and Student Loan Attitudes
Norvilitis, Jill M.; Bat, Meghan J.
2016-01-01
Although public concern about student loan debt has been increasing, little research has examined predictors of debt beyond financial need or demographic factors. The present study explored the role of several psychological and attitudinal variables in student loan debt among 189 college students. Results indicate that loan initiative and loan…
-
38 CFR 36.4204 - Loan purposes, maximum loan amounts and terms.
2010-07-01
... 38 Pensions, Bonuses, and Veterans' Relief 2 2010-07-01 2010-07-01 false Loan purposes, maximum loan amounts and terms. 36.4204 Section 36.4204 Pensions, Bonuses, and Veterans' Relief DEPARTMENT OF... constructing a suitable pad for the manufactured home. (e) The maximum permissible loan terms shall not exceed...
-
2010-06-25
... Changes to Nursing Student Loan Program Authorized Under Title VIII of the Public Health Service Act....) 111-148. Section 5202 of the ACA changes the Nursing Student Loan (NSL) program by: (1) Increasing the... degree in nursing. Below are details on how the ACA changes Sections 836(a), 836(b)(1), and 836(b)(3) of...
-
77 FR 63240 - Telephone Consumer Protection Act of 1991
2012-10-16
... organizations, companies with whom consumers have an established business relationship, and calls to persons... Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; announcement of effective date. SUMMARY: In this document, the Commission announces that the Office of Management...
-
77 FR 51751 - Information Collection Request; Farm Loan Programs, Direct Loan Making
2012-08-27
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection Request; Farm Loan Programs, Direct Loan Making AGENCY: Farm Service Agency, USDA. ACTION: Notice; request for comments. SUMMARY: In... approved information collection that supports Direct Loan Making programs. The information collection is in...
-
How Law and Institutions Shape Financial Contracts: The Case of Bank Loans
Jun Qian; Philip E. Strahan
2005-01-01
We examine empirically how legal origin, creditor rights, property rights, legal formalism, and financial development affect the design of price and non-price terms of bank loans in almost 60 countries. Our results support the law and finance view that private contracts reflect differences in legal protection of creditors and the enforcement of contracts. Loans made to borrowers in countries where creditors can seize collateral in case of default are more likely to be secured, have longer mat...
-
7 CFR 1738.30 - Rural broadband access loans and loan guarantees.
2010-01-01
... interest at a rate set by the lender consistent with the current applicable market rate for a loan of... Derivative or any Guaranteed-Amount Debt Derivative; or (B) Any holder of the Guaranteed Loan Note or any Guaranteed Loan Portion Note or any Derivative, as the case may be, having a claim to payments on the...
-
77 FR 66935 - Telephone Consumer Protection Act of 1991
2012-11-08
... FEDERAL COMMUNICATIONS COMMISSION 47 CFR Part 64 [CG Docket No. 02-278; FCC 12-21] Telephone Consumer Protection Act of 1991 AGENCY: Federal Communications Commission. ACTION: Final rule; correction...: Karen Johnson, Consumer and Governmental Affairs Bureau, Consumer Policy Division, at (202) 418- 7706 or...
-
Yugoslavia: Act of 21 November 1984 on radiation protection and the safe use of nuclear energy
International Nuclear Information System (INIS)
1985-01-01
This Act which entered into force on 1 December 1984 repeals the 1976 Act on Protection against Ionizing Radiation and regulates most of the peaceful uses of nuclear energy and radiation protection in Yugoslavia. The Act lays down the licensing procedure for nuclear installations and covers safety-related questions in connection with standards, technical criteria etc. It also takes into account several areas regulated at international level, namely safeguards and physical protection of nuclear material. (NEA) [fr
-
The Michigan Consumer Protection Act of 1976. Consumer Education Training Module.
Monsma, Charles
This guide for secondary teachers is designed to identify and illustrate specified illegal practices identified in the Michigan Consumer Protection Act of 1976. The guide also explains procedures that a consumer or law-enforcement agency can take to enforce the provisions of this law. Since the act is a broad one, students learn not only about…
-
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan terms. 2201.19 Section 2201.19 Agriculture Regulations of the Department of Agriculture (Continued) LOCAL TELEVISION LOAN GUARANTEE BOARD LOCAL TELEVISION LOAN GUARANTEE PROGRAM-PROGRAM REGULATIONS Loan Guarantees § 2201.19 Loan terms. (a) All Loans...
-
International Nuclear Information System (INIS)
Anon.
1990-01-01
When NUEXCO was organized in 1968, its founders conceived of a business based on uranium loans. The concept was relatively straightforward; those who found themselves with excess supplies of uranium would deposit those excesses in NUEXCO's open-quotes bank,close quotes and those who found themselves temporarily short of uranium could borrow from the bank. The borrower would pay interest based on the quantity of uranium borrowed and the duration of the loan, and the bank would collect the interest, deduct its service fee for arranging the loan, and pay the balance to those whose deposits were borrowed. In fact, the original plan was to call the firm Nuclear Bank Corporation, until it was discovered that using the word open-quotes Bankclose quotes in the name would subject the firm to various US banking regulations. Thus, Nuclear Bank Corporation became Nuclear Exchange Corporation, which was later shortened to NUEXCO. Neither the nuclear fuel market nor NUEXCO's business developed quite as its founders had anticipated. From almost the very beginning, the brokerage of uranium purchases and sales became a more significant activity for NUEXCO than arranging uranium loans. Nevertheless, loan transactions have played an important role in the international nuclear fuel market, requiring the development of special knowledge and commercial techniques
-
5 CFR 1655.14 - Loan payments.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1655.14 Section 1655.14 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.14 Loan payments. (a) Loan payments must be made through payroll deduction in accordance with the loan agreement. Once loan...
-
7 CFR 1737.92 - Loan documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1737.92 Section 1737.92 Agriculture... PRE-LOAN POLICIES AND PROCEDURES COMMON TO INSURED AND GUARANTEED TELECOMMUNICATIONS LOANS Final Loan Approval Procedures § 1737.92 Loan documents. Following approval of the loan, RUS shall forward the...
-
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 400.202 Section 400.202 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.202 Loan amount. (a) The aggregate amount of loan principal guaranteed...
-
7 CFR 1710.407 - Loan documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan documents. 1710.407 Section 1710.407 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.407 Loan documents. Following approval of a loan, RUS will forward...
-
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 400.204 Section 400.204 Business Credit and Assistance EMERGENCY STEEL GUARANTEE LOAN BOARD EMERGENCY STEEL GUARANTEE LOAN PROGRAM Steel Guarantee Loans § 400.204 Loan terms. (a) All loans guaranteed under the Program shall be...
-
7 CFR 1710.406 - Loan approval.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan approval. 1710.406 Section 1710.406 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Application Requirements and Procedures for Loans § 1710.406 Loan approval. (a) A loan is approved when the Administrator...
-
7 CFR 1735.22 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1735.22 Section 1735.22 Agriculture... GENERAL POLICIES, TYPES OF LOANS, LOAN REQUIREMENTS-TELECOMMUNICATIONS PROGRAM Loan Purposes and Basic Policies § 1735.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the...
-
7 CFR 762.121 - Loan purposes.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 762.121 Section 762.121 Agriculture... SPECIAL PROGRAMS GUARANTEED FARM LOANS § 762.121 Loan purposes. (a) Operating Loan purposes. (1) Loan... the need to refinance; (viii) Payment of loan closing costs; (ix) Payment of costs associated with...
-
7 CFR 1738.22 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1738.22 Section 1738.22 Agriculture... RURAL BROADBAND ACCESS LOANS AND LOAN GUARANTEES Loan Purposes and Basic Policies § 1738.22 Loan security. (a) RUS makes loans only if, in the judgment of the Administrator, the security therefore is...
-
78 FR 65523 - Farm Loan Programs; Clarification and Improvement
2013-11-01
... ensure borrower success and protect FSA's security interests. There will be no change to 7 CFR 765.302 in... disposition of security, and Conservation Contract requirements. FSA is also streamlining the loan making and... of thousands of family farmers each year in starting and maintaining profitable farm businesses. FSA...
-
76 FR 6555 - Loan Guaranty Revised Loan Modification Procedures
2011-02-07
... loan; and advances required to preserve the lien position, such as homeowner association fees, special... delinquent interest, advances, or other amounts due; extending the repayment terms; changing the interest... encountered two sets of circumstances that have caused difficulty in easily modifying loans to assist veterans...
-
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan term. 1436.7 Section 1436.7 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS FARM STORAGE FACILITY LOAN PROGRAM REGULATIONS § 1436.7 Loan term. (a) For eligible facility loan commodities other than sugar, the term of the loan will be 7...
-
7 CFR 764.401 - Loan decision.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan decision. 764.401 Section 764.401 Agriculture... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.401 Loan decision. (a) Loan approval. (1) The Agency will approve a loan only if it determines that: (i) The applicant's farm operating...
-
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan amount. 500.202 Section 500.202 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.202 Loan amount. The aggregate amount of loan...
-
7 CFR 1710.113 - Loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security. 1710.113 Section 1710.113 Agriculture... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Loan Purposes and Basic Policies § 1710.113 Loan security. (a) RUS makes loans only if, in the judgment of the...
-
JC Knobel THE BALD AND GOLDEN EAGLE PROTECTION ACT
African Journals Online (AJOL)
USC 1531) (USA); and the Environment Protection and Biodiversity ... Province); Bophuthatswana Nature Conservation Act 3 of 1973 (Northwest Province, Free State) ... scientist may find it difficult to correctly identify members of the two species ..... usually sites its nest in trees close to water, the Golden Eagle usually breeds ...
-
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan terms. 500.204 Section 500.204 Business Credit and Assistance EMERGENCY OIL AND GAS GUARANTEED LOAN BOARD EMERGENCY OIL AND GAS GUARANTEED LOAN PROGRAM Oil and Gas Guaranteed Loans § 500.204 Loan terms. (a) All loans guaranteed under the...
-
Regulations under the Radiation Protection and Control Act, 1982, No. 221 of 1984
International Nuclear Information System (INIS)
1984-01-01
These Regulations made under the Radiation Protection and Control Act of 1982, amend several numerical quotations contained in the Radiation Safety (Transport) Regulations, No. 27, 1984, also made under the above mentioned Act. (NEA) [fr
-
Understanding Loan Aversion in Education
Directory of Open Access Journals (Sweden)
Angela Boatman
2017-01-01
Full Text Available Although prior research has suggested that some students may be averse to taking out loans to finance their college education, there is little empirical evidence showing the extent to which loan aversion exists or how it affects different populations of students. This study provides the first large-scale quantitative evidence of levels of loan aversion in the United States. Using survey data collected on more than 6,000 individuals, we examine the frequency of loan aversion in three distinct populations. Depending on the measure, between 20 and 40% of high school seniors exhibit loan aversion with lower rates among community college students and adults not in college. Women are less likely to express loan-averse attitudes than men, and Hispanic respondents are more likely to be loan averse than White respondents.
-
Entrance Counseling Guide for Direct Loan Borrowers
Federal Student Aid, US Department of Education, 2010
2010-01-01
This guide describes the four types of loans offered by the Direct Loan Program[SM]: (1) Direct Subsidized Loans; (2) Direct Unsubsidized Loans; (3) Direct PLUS Loans; and (4) Direct Consolidation Loans. Among the topics covered in the guide are: Use of Your Loan Money, The Master Promissory Note, How Your Loans Will Be Disbursed (Paid Out),…
-
Philippines: Population: USAID loan.
The Philippines and the United States Agency for International Development signed an agreement on Christmas Day for a US $5.7 million loan and a US $6 million grant for the country's population program. The loan, which matures in 40 years, carries a 2% interest per year for the first 10 years, and 3% thereafter. A 10-year grace period is provided. The US $11.7 million loan and grant package is the first part of USAID's pledge of US $26.9 million in loan and US $29.8 million in grants for the population project. The agreement was signed by Finance Minister Cesar Virata and USAID director Anthony Schwarzwalder. The total loan package of US $57.7 million will be given in the next 5 years.
-
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What happens if an SISMBD does not use SISMBD Loan funds for a statutorily mandated purpose? 120.1892 Section 120.1892 Business Credit... the Small Business Act or Pools of such loans, the Administrator shall: (a) Demand immediate repayment...
-
Daly, Kay L.
2010-01-01
The Higher Education Opportunity Act of 2008, Pub. L. No. 110-315, mandated GAO (Government Accountability Office) to study the financial and compliance audits and reviews required or conducted for the Federal Family Education Loan (FFEL) program and the Federal Direct Student Loan (DL) program. The Department of Education's (Education) Office of…
-
75 FR 57052 - Notice of Single Family Loan Sale (SFLS 2010)
2010-09-17
... 202-708- 2625, extension 3927. Hearing- or speech-impaired individuals may call 202-708-4594 (TTY... described in this subparagraph in preparing its bid on such Mortgage Loan. Freedom of Information Act... have the right to disclose any information that HUD is obligated to disclose pursuant to the Freedom of...
-
2010-10-01
... 49 Transportation 4 2010-10-01 2010-10-01 false Loan terms. 260.9 Section 260.9 Transportation... TRANSPORTATION REGULATIONS GOVERNING LOANS AND LOAN GUARANTEES UNDER THE RAILROAD REHABILITATION AND IMPROVEMENT FINANCING PROGRAM Overview § 260.9 Loan terms. The maximum repayment period for direct loans and guaranteed...
-
7 CFR 1980.370 - Loan servicing.
2010-01-01
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan servicing. 1980.370 Section 1980.370 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.370 Loan servicing. RHS encourages Lenders to... sufficient servicing and counseling to meet the objectives of the loan. Loan servicing should be approached...
-
7 CFR 1779.69 - Loan servicing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1779.69 Section 1779.69 Agriculture... (CONTINUED) WATER AND WASTE DISPOSAL PROGRAMS GUARANTEED LOANS § 1779.69 Loan servicing. (a) Lender responsibilities. The lender is responsible for servicing the entire loan in accordance with the lender's loan...
-
76 FR 42470 - Loan Policies and Operations; Loan Purchases From FDIC; Effective Date
2011-07-19
... FARM CREDIT ADMINISTRATION 12 CFR Part 614 RIN 3052-AC62 Loan Policies and Operations; Loan Purchases From FDIC; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date... rule under part 614 on May 25, 2011 (76 FR 30246) amending our regulations on loan policies and...
-
7 CFR 1610.4 - Loan applications.
2010-01-01
... Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.4 Loan applications. No application for a loan will be considered for approval by the Bank... of the applicant for a Bank loan and the amount thereof. Loan application forms are available from...
-
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Loan rates. 1435.101 Section 1435.101 Agriculture... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS SUGAR PROGRAM Sugar Loan Program § 1435.101 Loan rates. (a) The national average loan rate for raw cane sugar produced from domestically grown sugarcane is: 18...
-
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 774.22 Section 774.22 Agriculture... SPECIAL PROGRAMS EMERGENCY LOAN FOR SEED PRODUCERS PROGRAM § 774.22 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan...
-
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan closing. 771.13 Section 771.13 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.13 Loan closing. (a) Conditions. The applicant must meet all conditions specified by the loan approval official in the notification of loan approval...
-
7 CFR 3560.61 - Loan security.
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Loan security. 3560.61 Section 3560.61 Agriculture... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.61 Loan security... collateral. (2) The amount of the loan against the collateral does not exceed its estimated security value...
-
2012-11-01
..., and 685 Federal Perkins Loan Program, Federal Family Education Loan Program, and William D. Ford... 685 RIN 1840-AD05 [Docket ID ED-2012-OPE-0010] Federal Perkins Loan Program, Federal Family Education... (Perkins Loan) program, Federal Family Education Loan (FFEL) program, and William D. Ford Federal Direct...
-
DEFF Research Database (Denmark)
Grosen, Anders; Jessen, Pernille; Kokholm, Thomas
while retaining an appropriate structure of incentives. Within the structural credit risk modeling framework we apply two alternative structural multivariate default risk models, the classical Gaussian Black-Scholes-Merton model and a model based on Normal Inverse Gaussian (NIG) processes, e.g. Barndorf...... as the underlying in the valuation of the corresponding APS in order to demonstrate the applicability of the APS as a regulatory tool. The contribution to the financial literature on credit risk is the empirical analysis of agricultural loans using our unique data set. The contribution to the banking literature......An Asset Protection Scheme (APS) is a portfolio insurance contract; a credit derivative used as a tool to restore financial stability and reestablish economic confidence. Opposed to most governmental bailout packages implemented all over the world recently, the APS can be a fair market contract...
-
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan purposes. 771.5 Section 771.5 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.5 Loan purposes. (a) Loan funds may be used..., travel and office operations; (3) Salaries and benefits. (b) Loan funds may not be used to pay expenses...
-
7 CFR 1980.310 - Loan purposes.
2010-01-01
... 7 Agriculture 14 2010-01-01 2009-01-01 true Loan purposes. 1980.310 Section 1980.310 Agriculture... REGULATIONS (CONTINUED) GENERAL Rural Housing Loans § 1980.310 Loan purposes. The purpose of a loan guaranteed... applicant as a primary residence. The loan may be to purchase a new dwelling or an existing dwelling. The...
-
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan fee. 1655.21 Section 1655.21 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.21 Loan fee. The TSP will charge a participant a $50.00 loan fee when it disburses the loan and will deduct the fee from the...
-
7 CFR 770.5 - Loan limitations.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan limitations. 770.5 Section 770.5 Agriculture... SPECIAL PROGRAMS INDIAN TRIBAL LAND ACQUISITION LOANS § 770.5 Loan limitations. (a) Loan funds may not be... title. (b) The amount of loan funds used to acquire land may not exceed the market value of the land...
-
2010-01-01
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... borrowers. (b) Loan documents. Successful applicants will be required to execute and deliver to RUS a...
-
2012-07-17
... borrower's loans if the borrower receives a disbursement of a new title IV loan or receives a new TEACH... proposed regulations for programs authorized by title IV of the HEA, to obtain public involvement in the...-defaulted Direct Loan, except for a parent Direct PLUS loan or a Direct Consolidation loan that repaid a...
-
7 CFR 1710.50 - Insured loans.
2010-01-01
... GENERAL AND PRE-LOAN POLICIES AND PROCEDURES COMMON TO ELECTRIC LOANS AND GUARANTEES Types of Loans and... determined pursuant to 7 CFR part 1714, and the borrower may elect to include in the loan documents a...
-
2010-06-24
... DEPARTMENT OF HEALTH AND HUMAN SERVICES Health Resources and Services Administration Legislative Changes to Primary Care Loan Program Authorized Under Title VII of the Public Health Service Act AGENCY... changes Section 723 of the Public Health Service Act (PHSA) regarding administration of the PCL program...
-
7 CFR 1427.16 - Movement and protection of warehouse-stored cotton.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Movement and protection of warehouse-stored cotton. 1427.16 Section 1427.16 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY... Cotton Loan and Loan Deficiency Payments § 1427.16 Movement and protection of warehouse-stored cotton. (a...
-
7 CFR 1718.103 - Loan contract provisions.
2010-01-01
... AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718... security for the loan will be reasonably adequate and that the loan will be repaid according to the terms... other provisions as RUS may require to ensure loan repayment and reasonably adequate loan security. ...
-
75 FR 12775 - Notice of HUD-Held Multifamily and Healthcare Loan Sale
2010-03-17
... 20410-8000; telephone number 202-708-2625, extension 3927. Hearing- or speech-impaired individuals may... determine whether they are eligible to submit bids on the Mortgage Loans in MHLS 2010-1. Freedom of... the Freedom of Information Act and all regulations promulgated thereunder. Scope of Notice This notice...
-
2010-01-01
... the Coastal Zone Management Act, and to the Marine Protection, Research and Sanctuaries Act. 921.4... provisions of the Coastal Zone Management Act, and to the Marine Protection, Research and Sanctuaries Act. (a... affecting the state's coastal zone, must be undertaken in a manner consistent to the maximum extent...
-
17 CFR 248.16 - Protection of Fair Credit Reporting Act.
2010-04-01
... Reporting Act. 248.16 Section 248.16 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION (CONTINUED) REGULATIONS S-P AND S-AM Regulation S-P: Privacy of Consumer Financial Information and Safeguarding Personal Information Relation to Other Laws; Effective Date § 248.16 Protection of Fair Credit...
-
LESSONS FROM THE IMPACT OF INTERNAL AND MACROECONOMIC DETERMINANTS OF BAD LOANS IN CEE BANKS
Directory of Open Access Journals (Sweden)
Bogdan Florin FILIP
2017-12-01
Full Text Available The paper aims identifying and analysing the determinants of bad loans in the banks from Central and Eastern Europe, while their accumulation may lead to malfunctions on macroeconomic level. Analysing 38 of the most representative banks in the region during 2004-2013, we found significant positive linkages of bad loans ratio with cost to income ratio, unemployment and crisis, but also significant negative linkages with bank size, activity mix, bank risk taking behaviour, real GDP growth and inflation. Moreover, using Panel Least Squares Fixed Effects Method, we found that the main determinants of bad loans ratio increase are bank size, crisis, unemployment and cost to income ratio. Contrary, activity mix, bank risk taking behaviour, real GDP growth and inflation proved to act against bad loans accumulation. The results offer important lessons which may be useful in the future both for the banks and also for the governments from this region.
-
7 CFR 1980.481 - Insured loans.
2010-01-01
... REGULATIONS (CONTINUED) GENERAL Business and Industrial Loan Program § 1980.481 Insured loans. Applications...) Constructing and equipping industrial plants for lease to private businesses (not including loans for operating... concurrence prior to approval. B. Applications from private parties for insured loans will not be encouraged...
-
Corporate boards and bank loan contracting
Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang
2012-01-01
We investigate the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and nonprice loan terms (e.g., interest rates, collateral, covenants, and performance-pricing provisions) are more favorable, and syndicated loans comprise more lenders. In addition, board size, audit committee structure, and other board characteristics influence bank loan prices. However, they do not consistently affect all nonprice loan terms except for a...
-
2010-01-01
... PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.7 Loan uses. Loan funds may be used for any of the following purposes related to the production or marketing of apples: (a) Payment of costs associated with..., processing or marketing purposes; or (h) Payment of loan closing costs. ...
-
77 FR 59346 - Payday-Alternative Loans
2012-09-27
... NATIONAL CREDIT UNION ADMINISTRATION 12 CFR Part 701 RIN 3133-AE08 Payday-Alternative Loans AGENCY...: The NCUA Board (Board) is currently reviewing its regulation governing payday-alternative loans (PAL... to offer PAL loans, previously referred to as short- term, small amount loans, as an alternative to...
-
7 CFR 1822.274 - Loan closing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan closing. 1822.274 Section 1822.274 Agriculture... SERVICE, RURAL UTILITIES SERVICE, AND FARM SERVICE AGENCY, DEPARTMENT OF AGRICULTURE LOANS AND GRANTS PRIMARILY FOR REAL ESTATE PURPOSES RURAL HOUSING LOANS AND GRANTS Rural Housing Site Loan Policies...
-
78 FR 65107 - Loans in Areas Having Special Flood Hazards
2013-10-30
...) 898-3991, Division of Depositor and Consumer Protection. FCA: Paul K. Gibbs, Senior Accountant, Office..., 2012, was not required by Federal or State law to escrow taxes or insurance for the term of the loan and did not have a policy to require escrow of taxes and insurance. The Agencies are proposing to...
-
Radiation Protection and Control Act, 1982 (South Australia) No.49 of 29 April 1982
International Nuclear Information System (INIS)
1982-01-01
This Act provides for the control of activities related to radioactive substances and radiation apparatus as well as for protection against the harmful effects of ionizing radiation. It also amends the Health Act, 1935-1980 by deleting certain provisions concerning, inter alia, radioactive substances and radiation apparatus. The Act states as its general objective that the competent authorities in the exercise of their duties and any person carrying on activities involving radioactive substances and equipment emitting ionizing radiation shall try to ensure that exposure of persons to ionizing radiation is kept as low as reasonably achievable, social and economic factors being taken into account (the ALARA principle recommended by the International Commission on radiological Protection). (NEA) [fr
-
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan design. 1735.73 Section 1735.73 Agriculture... Funds § 1735.73 Loan design. When loan funds are requested for an acquisition, details of the proposed acquisition shall be included in the Loan Design. See 7 CFR part 1737. ...
-
44 CFR 206.371 - Loan program.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.371 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.371 Loan... Special Community Disaster Loan to any local government which has suffered a substantial loss of tax and...
-
44 CFR 206.361 - Loan program.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan program. 206.361 Section... HOMELAND SECURITY DISASTER ASSISTANCE FEDERAL DISASTER ASSISTANCE Community Disaster Loans § 206.361 Loan... Community Disaster Loan to any local government which has suffered a substantial loss of tax and other...
-
5 CFR 1655.12 - Loan agreement.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan agreement. 1655.12 Section 1655.12 Administrative Personnel FEDERAL RETIREMENT THRIFT INVESTMENT BOARD LOAN PROGRAM § 1655.12 Loan agreement. (a) Upon determining that a loan application meets the requirements of this part, the TSP record keeper...
-
7 CFR 1434.18 - Loan repayments.
2010-01-01
... repayment rate for marketing assistance loans for honey under this part will be in effect on a short-term... AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS NONRECOURSE MARKETING ASSISTANCE LOAN AND LDP REGULATIONS FOR HONEY § 1434.18 Loan repayments. (a) A honey producer may repay a nonrecourse marketing assistance...
-
LOANS PROVIDED BY CHINESE GOVERNMENT: OPPORTUNITIES AND RISKS FOR THE REPUBLIC OF MOLDOVA
Directory of Open Access Journals (Sweden)
Marina SOLOVIOVA
2016-01-01
Full Text Available As external development partners have put on hold their financial support for Moldova, contracting loans from China sparks an increasing interest. Because debates on this topic take place with very little information available, in this article we have made a synthesis of official data disseminated by the Chinese authorities, estimations made by the OECD and other organizations, records from the archive of the National Bank of Moldova, documents from the state register of legal acts, as well as of data published by the press. The results show that, although loans provided by the Chinese government are not an alternative to the loans offered by the IMF and other traditional creditors for budget and balance of payments support, they have a range of peculiar advantages and can be a convenient means of financing projects in the area of energy, industry, and agriculture.
-
A new Loan-Stock Financial Instrument
Morozovsky, Alexander; Narasimhan, Rajan; Kholodenko, Yuri
2000-01-01
A new financial instrument (a new kind of a loan) is introduced. The loan-stock instrument (LSI) combines fixed rate instruments (loans, etc.) with other financial instruments that have higher volatilities and returns (stocks, mutual funds, currencies, derivatives, options, etc.). This new loan depends on the value of underlying security (for example, stock) in such a way that when underlying security increases, the value of loan decreases and backwards. The procedure to create a risk free po...
-
2010-07-07
..., or Direct Loan Program, excluding PLUS loans made under the FFEL and Direct Loan Programs to parents... that repaid a parent PLUS loan. Employee means an individual who, under Federal tax law, is considered... Internal Revenue Code. Involuntary separation due to misconduct means termination from [[Page 39001...
-
12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.
2010-01-01
..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...
-
5 CFR 1620.35 - Loan payments.
2010-01-01
... 5 Administrative Personnel 3 2010-01-01 2010-01-01 false Loan payments. 1620.35 Section 1620.35... Nonappropriated Fund Employees § 1620.35 Loan payments. NAF instrumentalities must deduct and transmit TSP loan... CFR part 1655 and Board procedures. Loan payments may not be deducted and transmitted for employees...
-
International Nuclear Information System (INIS)
1999-03-01
The purpose of this guide is to provide information to Commonwealth entities who may require a license under the Australian Radiation Protection and Nuclear Safety (ARPANS) Act 1998 to enable them to posses, have control of, use, operate or dispose of radiation sources. The guide describes to which agencies and what activities require licensing. It also addresses general administrative and legal matters such as appeal procedures, ongoing licensing requirements, monitoring and compliance. Applicants are advised to consult the Australian Radiation Protection and Nuclear Safety Act 1998 and accompanying Regulations when submitting applications
-
Energy Technology Data Exchange (ETDEWEB)
NONE
1999-03-01
The purpose of this guide is to provide information to Commonwealth entities who may require a license under the Australian Radiation Protection and Nuclear Safety (ARPANS) Act 1998 to enable them to posses, have control of, use, operate or dispose of radiation sources. The guide describes to which agencies and what activities require licensing. It also addresses general administrative and legal matters such as appeal procedures, ongoing licensing requirements, monitoring and compliance. Applicants are advised to consult the Australian Radiation Protection and Nuclear Safety Act 1998 and accompanying Regulations when submitting applications
-
2010-04-01
... 24 Housing and Urban Development 3 2010-04-01 2010-04-01 false Loan term. 573.4 Section 573.4 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) OFFICE OF... COMMUNITY FACILITIES LOAN GUARANTEE RECOVERY FUND § 573.4 Loan term. The term of the loan to be guaranteed...
-
2010-01-01
... 14 Aeronautics and Space 5 2010-01-01 2010-01-01 false Loan terms. 1300.15 Section 1300.15... DISASTER RELIEF-AIR CARRIER GUARANTEE LOAN PROGRAM Minimum Requirements and Application Procedures § 1300.15 Loan terms. (a) A loan guaranteed under the program shall be due and payable in full no later than...
-
7 CFR 771.15 - Loan servicing.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan servicing. 771.15 Section 771.15 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.15 Loan servicing. (a) Advances. FSA may make... advances. (b) Payments. Payments will be made to FSA as set forth in loan agreements and debt instruments...
-
31 CFR 25.400 - Loan provisions.
2010-07-01
... SALES LOANS MADE BY THE DEFENSE SECURITY ASSISTANCE AGENCY AND FOREIGN MILITARY SALES LOANS MADE BY THE FEDERAL FINANCING BANK AND GUARANTEED BY THE DEFENSE SECURITY ASSISTANCE AGENCY Form of Private Loan § 25... 31 Money and Finance: Treasury 1 2010-07-01 2010-07-01 false Loan provisions. 25.400 Section 25...
-
2010-01-01
... SPECIAL PROGRAMS DIRECT LOAN MAKING Loan Decision and Closing § 764.402 Loan closing. (a) Signature... information for the Agency to reconfirm approval and proceed with loan closing. (3) The Agency or closing... account will be used according to subpart B of part 761 of this chapter when these processes are not...
-
Institute of Scientific and Technical Information of China (English)
Jianfang Zhou; Jingjing Wang; Jianping Ding
2014-01-01
Purpose-After loan interest rate upper limit deregulation in October 2004,the financing environment in China changed dramatically,and the banks were eligible for risk compensation.The purpose of this paper is to focus on the influence of the loan interest rate librealization on firms' loan maturity structure.Design/methodology/approach-Based on Rajan's (1992) model the authors constructed a tradeoff model of how the banks choose long-term and short-term loans scales,and further analyzed banks' loan term decisions under the loan interest rate upper limit deregulation or collateral cases.Then the authors used an unbalanced panel data set of 586 Chinese listed manufacturing companies and 9,376 observations during the period 1996-2011 to testify the theoretical conclusion.Furthermore,the authors studied the effect on firms with different characteristics of ownership or scale.Findings-The results show that the loan interest rate liberalization significantly decreases the private companies' reliance on short-term loans and increases sensitivity to interest rates of stateowned companies' long-term loans.But the results also show that the companies' ownership still plays a key role on the long-term loans availability.When monetary policy tightened,small companies still have to borrow short-term loans for long-term purposes.As the bank industry is still dominated by state-owned banks and the deposit interest rate has upper limits,the effect of the loan interest rate liberalization on easing long-term credit constraints is limited.Originality/value-From a new perspective,the content and findings of this paper contribute to the study of the effect of the interest rate liberalization on China economy.
-
2013-02-26
... No. 1] No FEAR Act Notice; Notice of Rights and Protections Available Under Federal... FEAR Act. The Act requires that federal agencies provide notice to their employees, former employees.... 1214(f). Nothing in the No FEAR Act alters existing laws or permits an agency to take unfounded...
-
DETERMINANTS OF BUSINESS LOAN DEFAULT IN GHANA
Directory of Open Access Journals (Sweden)
Akwaa-Sekyi, Ellis Kofi
2015-05-01
Full Text Available The initiation, funding, servicing and monitoring of loans by financial intermediaries has been done without regard to some critical factors which could have averted the likelihood of default. The study aimed at measuring the extent that owner-specific, borrower-specific, loan and lender-specific characteristics could determine the probability of loan default. The study used logistic regression for 224 business customers of a bank in Ghana from its nation-wide branches. The study found that owner’s extra income (ownership characteristics, multiple borrowing, diversion of loan purpose (borrower characteristics, loan price, loan purpose, loan age, repayment plan (loan characteristics and underfunding (lender characteristics significantly determined the probability of business loan default. The overall model predicted up to 78.5% of variations in the likelihood of default. The hierarchy of strong determinants given by their odd ratios were loan purpose (47.9 times, underfunding (19.2 times, diversion of loan purpose (11.7 times multiple borrowing (9.4 times and owner’s extra income (8.2 times. The study can conclude that financial intermediaries should be wary of the credit granting process taking cognisance of ownership, borrower, loan and lender characteristics especially the significant predictors. Combining quantitative and qualitative variables as determinants of default could be considered in future.
-
7 CFR 1776.16 - Loan servicing.
2010-01-01
... 7 Agriculture 12 2010-01-01 2010-01-01 false Loan servicing. 1776.16 Section 1776.16 Agriculture... (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.16 Loan servicing. (a) If RUS determines that HWWS loans may be serviced by CSC, then the grant recipient will enter into an agreement with...
-
7 CFR 1927.56 - Scheduling loan closing.
2010-01-01
... REGULATIONS TITLE CLEARANCE AND LOAN CLOSING Real Estate Title Clearance and Loan Closing § 1927.56 Scheduling loan closing. The agency, in coordination with the closing agent, will arrange a loan closing and send loan closing instructions, on an agency form to the closing agent when the agency determines that the...
-
42 CFR 57.1510 - Security for loans.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Security for loans. 57.1510 Section 57.1510 Public... Security for loans. Each loan with respect to which a guarantee is made or interest subsidies are paid... TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest...
-
7 CFR 1427.170 - Quantity for loan.
2010-01-01
... to the preservation or safety of the loan collateral. Loans may be made on a lower percentage basis... 7 Agriculture 10 2010-01-01 2010-01-01 false Quantity for loan. 1427.170 Section 1427.170... OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Recourse Seed Cotton Loans § 1427.170...
-
7 CFR 1735.46 - Loan security documents.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Loan security documents. 1735.46 Section 1735.46... § 1735.46 Loan security documents. (a) Loans are to be repaid according to their terms. RUS generally... subordinations. (b) Loan security documents of borrowers with loans approved after October 6, 1997 will provide...
-
2010-04-01
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Loan terms. 1007.35 Section 1007.35... LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.35 Loan terms. To be eligible for guarantee under this part, the loan shall: (a) Be made for a term not exceeding 30 years; (b) Bear interest (exclusive...
-
Guide to Direct Consolidation Loans.
Department of Education, Washington, DC.
Intended for financial aid counselors, this document provides guidelines to the Federal Direct Consolidation Loan Program for borrowers who are in school, as well as those in repayment, or in default. An introductory section explains the basics of the consolidated loan program, loan categories, and interest rates. Next, standards for borrower…
-
Credit reporting, relationship banking, and loan repayment
Directory of Open Access Journals (Sweden)
Tahereh Shirzad Kebria
2015-06-01
Full Text Available This paper presents an empirical investigation to determine factors influencing on loan repayment in one of Iranian banks named Sepah Bank over the period 2012-2013. The study selects a sample of 290 bank’s customers who received loans and, using logistic regression technique, tries to find whether or not qualitative as well as quantitative characteristics of loan receivers influence on repayment of loans. The results indicate that history of outstanding debt as well as customers’ past experiences with banks had meaningful relationships with having bad credit and non-payment of loans. In our survey, having a bad credit in the past had positive relationship with non-payment of loans but long-term customers had negative relationship with non-payment of loans. In addition, working capital turnover ratio, cash ratio, total liabilities, current assets and loan value had significant impact on non-repayment of the loan facilities.
-
A legislative history of the Social Security Protection Act of 2004.
Hansen, Erik
2008-01-01
Passage of the original Social Security Act in 1935, Public Law (P.L.) 74-271, represented one of the watershed achievements of social welfare reform in American history. For the first time, workers were guaranteed a basic floor of protection against the hardships of poverty. In the ensuing decades, more than 100 million beneficiaries have realized the value of this protection through the receipt of monthly Social Security payments. As this guarantee has endured and progressed, the policies and administration of such a vast and complex program have required ongoing modifications-more than 150 such revisions over the past 73 years. To some extent, these amendments can be seen as an ongoing refinement process, with the Social Security Protection Act of 2004 (SSPA) being another incremental step in the development of a social insurance program that best meets the evolving needs of American society. This article discusses the legislative history of the SSPA in detail. It includes summaries of the provisions and a chronology of the modification of these proposals as they passed through the House and Senate, and ultimately to the president's desk.
-
Environment Protection (Northern Territory Supreme Court) Act 1978, No.30
International Nuclear Information System (INIS)
1978-01-01
This Act relates to the enforcement by the Supreme Court of the Northern Territory of certain provisions for protecting the environment in the Alligator Rivers Region; it provides that the Supreme Court has jurisdiction to make orders concerning enforcement of provisions relating to the environmental effects in the Region of uranium mining operations. (NEA) [fr
-
2013-01-08
... DEPARTMENT OF THE TREASURY Office of the Comptroller of the Currency [Docket ID OCC-2013-0001] Transition Period Under Section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act AGENCY... Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) prohibits providing Federal...
-
75 FR 27660 - Loan Policies and Operations; Loan Purchases From FDIC
2010-05-18
... business. \\2\\ While a System institution could not qualify as a franchise purchaser, it could possibly pair with a non-System lender where that lender could buy the deposits and other loans leaving the System institution to buy the agricultural loans. FCA regulations currently provide that a System institution may not...
-
24 CFR 200.25 - Supplemental loans.
2010-04-01
... DEVELOPMENT GENERAL INTRODUCTION TO FHA PROGRAMS Requirements for Application, Commitment, and Endorsement... loans. A loan, advance of credit or purchase of an obligation representing a loan or advance of credit...
-
76 FR 30904 - Rural Utilities Service Telecommunications Loan and Loan Guarantee Program
2011-05-27
..., this new approach will give our customers increased flexibility to find and deploy technology that... DEPARTMENT OF AGRICULTURE Rural Utilities Service Rural Utilities Service Telecommunications Loan and Loan Guarantee Program AGENCY: Rural Utilities Service, USDA. ACTION: Notice of elimination of the...
-
Licensing procedures according to the Federal Act Protection Against Nuisances
International Nuclear Information System (INIS)
Schaefer, K.
1977-01-01
On March 1st, 1977 the 9th decree of the Protection Against Nuisances came into force, which, as the first comprehensive and state-uniform regulation contains the principles of the licensing procedure supplementary to legal provisions. The legal provision is based on numerous recent regulations of procedure from which in the meantime an essential stock of regulations relating to the licensing procedure has emerged. In general, two aims are to be achieved by this new regulation: The acceleration and simplification of the licensing procedure as will as the imperative guaranteeing in this procedure of the rights of the neighbouring areas, and of the society in general by a constitutional state. The legal provision provides in part new legal instruments for this. Examples on which the legal provisions are based are presented in the introduction. Subsequent explanations of provisions of the decree are to assist the application of the new act. Relevant regulations of the Federal Act for Protection Against Nuisances, as well as further supplementary provisions are given in the supplement. (orig.) [de
-
2011-09-29
... DEPARTMENT OF ENERGY Issuance of a Loan Guarantee to Tonopah Solar Energy, LLC, for the Crescent Dunes Solar Energy Project AGENCY: U.S. Department of Energy. ACTION: Record of decision. SUMMARY: The U... and Reinvestment Act of 2009 (Recovery Act), to Tonopah Solar Energy, LLC (TSE), for construction and...
-
Federal Act on the peaceful uses of atomic energy and protection against radiation
International Nuclear Information System (INIS)
1959-12-01
This is a framework Act regulating the peaceful uses of atomic energy in Switzerland. It establishes a licensing and control system for the construction and operation of nuclear installations, transport and possession of nuclear substances as well as for other nuclear activities. The Act also defines the measures for protection against ionizing radiation and contains a series of provisions sanctioning any actions jeopardising nuclear safety or violating the Act itself. Chapter 4 (Sec. 12-18) dealing with nuclear third party liability is repealed and replaced by the Act of 1979 on nuclear third party liability. (NEA) [fr
-
76 FR 11256 - Notice of HUD-Held Healthcare Loan Sale (HCLS 2011-1)
2011-03-01
...-8000; telephone 202-708-2625, extension 3927. Hearing- or speech-impaired individuals may call 202-708... to determine whether they are eligible to submit bids on the Mortgage Loans in HCLS 2011-1. Freedom... pursuant to the Freedom of Information Act and all regulations promulgated thereunder. Scope of Notice This...
-
2010-04-01
... purposes of the Securities Investor Protection Act of 1970 after cancellation or revocation. 240.15b5-1... purposes of the Securities Investor Protection Act of 1970 after cancellation or revocation. Commission... member within the meaning of Section 3(a)(2) of the Securities Investor Protection Act of 1970 for...
-
Private Loans: Facts and Trends
Institute for College Access & Success, 2014
2014-01-01
Private loans are one of the riskiest ways to finance a college education. Like credit cards, they typically have variable interest rates. Both variable and fixed rates are higher for those who can least afford them--as high as 13% in June 2014. Private loans are not eligible for the important deferment, income-based repayment, or loan forgiveness…
-
1992-05-04
This final rule sets forth the procedures to be followed for collection of past-due amounts owed by individuals who breached contracts under certain scholarship and loan programs. The programs that would be affected are the National Health Service Corps Scholarship, the Physician Shortage Area Scholarship, and the Health Education Assistance Loan. These procedures would apply to those individuals who breached contracts under the scholarship and loan programs and who-- Accept Medicare assignment for services; Are employed by or affiliated with a provider, Health Maintenance Organization, or Competitive Medical Plan that receives Medicare payment for services; or Are members of a group practice that receives Medicare payment for services. This regulation implements section 1892 of the Social Security Act, as added by section 4052 of the Omnibus Budget Reconciliation Act of 1987.
-
Buys, M
2017-10-31
Careless handling of patient information in daily medical practice can result in Health Professions Council of South Africa sanction, breach of privacy lawsuits and, in extreme cases, serious monetary penalty or even imprisonment. This review will focus on the Protection of Personal Information (POPI) Act (No. 4 of 2013) and the implications thereof for healthcare professionals in daily practice. Recommendations regarding the safeguarding of information are made.
-
Directory of Open Access Journals (Sweden)
R van Niekerk
2010-12-01
Full Text Available South Africa was in need of a comprehensive framework of legislation, policies and government authorities to regulate consumer-supplier interaction. The Consumer Protection Act 68 of 2008, which was signed by the President of the Republic of South Africa on 29 April 2009 and published in the Government Gazette on 29 April 2009, now provides an extensive framework for consumer protection and aims to develop, enhance and protect the rights of consumers and to eliminate unethical suppliers and improper business practices. Certain areas of the common law regarding consumer rights have been codified by the Act and certain unfair business practices that were previously unregulated are now governed by the Act. The Act has a wide field of application. It applies to every transaction occurring within South Africa for the supply of goods or services or the promotion of goods or services and the goods or services themselves, unless the transaction is exempted from the application of the Act. The Act also specifically regulates aspects of franchise agreements. In terms of the Act, consumers obtain several new rights and some existing rights are broadened and reinforced. These rights are: the right to equality in the consumer market; privacy; choice; disclosure and information; fair and responsible marketing; fair and honest dealing; fair, just and reasonable terms and conditions; and fair value, good quality and safety. The last right in terms of the Act deals with a supplier's accountability to consumers. The authors critically analyse and discuss these rights. It is clear that the Act is written in favour of the consumer.
-
78 FR 691 - Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013
2013-01-04
... DEPARTMENT OF AGRICULTURE Rural Business-Cooperative Service Maximum Loan Amount for Business and Industry Guaranteed Loans in Fiscal Year 2013 AGENCY: Rural Business-Cooperative Service, USDA. ACTION... and Industry (B&I) guaranteed loans of $25 million or less under certain circumstances. Due to the...
-
40 CFR 33.303 - Are there special rules for loans under EPA financial assistance agreements?
2010-07-01
... UNITED STATES ENVIRONMENTAL PROTECTION AGENCY PROGRAMS Good Faith Efforts § 33.303 Are there special... identified loans comply with the good faith efforts described in § 33.301 and the contract administration...
-
2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS On-Farm Labor Housing § 3560.612 Loan limits. The maximum loan amount will be 100 percent of the allowable total development costs of on-farm labor housing and...
-
Reddy, K.
2012-01-01
The Consumer Protection Act (CPA) lays the basis for the protection of consumer rights in South Africa and comprehensively sets out obligations for "suppliers". There have been differing views expressed as to whether a student should be seen as a consumer. It is clear, however, that this Act applies to HEIs. This article, firstly,…
-
2012-05-31
...) instructions for reporting past due status on TDRs, many FICUs maintain separate, manual delinquency... loan delinquency based on restructured contract terms rather than the original loan terms. To that end... loan on nonaccrual status has no impact on the borrower's contractual obligation to the FICU. c...
-
75 FR 14331 - Disaster Assistance Loan Program
2010-03-25
... SMALL BUSINESS ADMINISTRATION 13 CFR Part 123 RIN 3245-AF98 Disaster Assistance Loan Program...-term disaster loans to homeowners, renters, businesses, and non-profit organizations that have been... to disaster victims by raising the statutory loan limit for loans to businesses, increasing the...
-
2010-11-24
... credit approval decision with respect to each mortgage loan application? What level of scrutiny do... Procedures Act (RESPA): Solicitation of Information on Changes in Warehouse Lending and Other Loan Funding... guidance under RESPA to address possible changes in warehouse lending and other financing mechanisms used...
-
12 CFR 561.30 - Nonresidential construction loan.
2010-01-01
... REGULATIONS AFFECTING ALL SAVINGS ASSOCIATIONS § 561.30 Nonresidential construction loan. The term nonresidential construction loan means a loan for construction of other than one or more dwelling units. ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nonresidential construction loan. 561.30...
-
The Consumer Protection Act 68 of 2008 and procedural fairness in
African Journals Online (AJOL)
MJM Venter
fair. In a South African context, procedural fairness and substantive fairness are therefore of equal importance. 5. The Consumer Protection Act and procedural fairness. In the discussion below, the special ..... actually read the terms, but standardisation in presentation may make it slightly easier for a consumer to understand ...
-
2011-01-28
... Science; National Institute of Food and Agriculture; U.S. Department of Agriculture; STOP 2220; 1400... and State Allocation Method 4. State Allocation of Nominations 5. FY 2011 Shortage Situation..., Extension, and Teaching Policy Act of 1997 (NARETPA). This law established a new Veterinary Medicine Loan...
-
Does debtor protection really protect debtors? Evidence from the small business credit market
Berger, A.N.; Cerqueiro, G.M.; Penas, M.F.
2011-01-01
This paper analyzes how different levels of debtor protection across US states affect small firms’ access to credit, as well as the price and non-price terms of their loans. We use an individual-specific measure of debtor protection that has its maximum value when the borrower’s home equity is lower
-
Congress of the U.S., Washington, DC. Senate Committee on Labor and Human Resources.
Hearings of the Committee on Education and Labor on the proposed Student Loan Assistance Amendments of 1982 are presented. The bill (S. 2655) is designed to provide increased maximum limitations for student loans under Part B of Title IV of the Higher Education Act of 1965 for certain students who lost benefits under the Social Security Act as a…
-
The legality of unilateral increase of interest rate in banking loan contracts under Serbian law
Directory of Open Access Journals (Sweden)
Dudaš Atila I.
2016-01-01
circumstances which the debtor could not influence. In most cases the bank could have influenced these circumstance or at least taken them into consideration at the time of the formation of contract. If not, they still fall within the bank's sphere of control or the bank bears the risk of their occurrence. The uniform approach of the courts, both in respect to credit contracts in which the debtor is a consumer, and contracts in which the debtor does not qualify as consumer, is that these clauses in loan contracts are null and void, since they are contrary to principles of good faith and equal value of reciprocal obligations, on the one hand, and make the object of the contract unascertainable, on the other. The courts, however, hardly ever declare the contract null and void in its entirety, but rather apply the rules on partial invalidity. Until the adoption of the Law on the Protection of Financial Services Consumers in 2011, the courts could render their decisions based only on the rules of general contract law pursuant to the Law on Obligations from 1978. The Law on the Protection of Financial Services Consumers explicitly forbids the modification of variable interest rate due to changes in the business policy or internal acts of the bank and prescribes that only officially published data or criteria may be used as variable elements of the interest rate. By this means, stipulating the right of the bank to subsequently, unilaterally and, in fact, freely increase the interest rate, a practice frequently applied in cases in which it was not economically justified, became statutorily forbidden.
-
Gender and banking : Are women better loan officers?
Beck, T.H.L.; Behr, P.; Guttler, A.
2013-01-01
Using a unique data set for a commercial bank in Albania, we analyze gender differences in loan officers’ performance. Loans screened and monitored by female loan officers have a lower likelihood to turn problematic than loans handled by male loan officers. This effect cannot be explained by
-
HUD PowerSaver Pilot Loan Program
Energy Technology Data Exchange (ETDEWEB)
Zimring, Mark [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Hoffman, Ian [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)
2010-12-10
The U.S. Department of Housing and Urban Development (HUD) recently announced the creation of a pilot loan program for home energy improvements. The PowerSaver loan program is a new, energy-focused variant of the Title I Property Improvement Loan Insurance Program (Title I Program) and is planned for introduction in early 2011. The PowerSaver pilot will provide lender insurance for secured and unsecured loans up to $25,000 to single family homeowners. These loans will specifically target residential energy efficiency and renewable energy improvements. HUD estimates the two-year pilot will fund approximately 24,000 loans worth up to $300 million; the program is not capped. The Federal Housing Administration (FHA), HUD's mortgage insurance unit, will provide up to $25 million in grants as incentives to participating lenders. FHA is seeking lenders in communities with existing programs for promoting residential energy upgrades.
-
13 CFR 120.400 - Loan Guarantee Agreements.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan Guarantee Agreements. 120.400 Section 120.400 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Lenders § 120... specific proposed loan that a Lender may submit. The existence of a Loan Guarantee Agreement does not limit...
-
Catalog of Federal Funding Sources for Watershed Protection
U.S. Environmental Protection Agency — Catalog of Federal Funding Sources for Watershed Protection Web site is a searchable database of financial assistance sources (grants, loans) available to fund a...
-
Unpacking the right to plain and understandable language in the consumer protection act 68 of 2008
Stoop, Philip N; Chürr, Chrizell
2013-01-01
The Consumer Protection Act 68 of 2008 came into effect on 1 April 2011. The purpose of this Act is, among other things, to promote fairness, openness and respectable business practice between the suppliers of goods or services and the consumers of such good and services. In consumer protection legislation fairness is usually approached from two directions, namely substantive and procedural fairness. Measures aimed at procedural fairness address conduct during the bargaining process and gener...
-
7 CFR 1737.60 - Telephone loan budget.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Telephone loan budget. 1737.60 Section 1737.60... Cost Estimation Procedures § 1737.60 Telephone loan budget. (a) RUS shall prepare a “Telephone Loan Budget” (RUS Form 493) showing all costs for the proposed project and the amount of loan and nonloan...
-
Bank Consolidation and Consumer Loan Interest Rates
Charles Kahn; George Pennacchi; Ben Sopranzetti
2001-01-01
The recent wave of bank mergers has raised concern with its effect on competition. This paper examines the influence of concentration and merger activity on consumer loan interest rates. It uses Bank Rate Monitor, Inc. survey data on loan rates quoted weekly by large commercial banks in ten major U.S. cities during the 1989 to 1997 period. The pricing behavior of banks is analyzed for two types of loans: new automobile loans and unsecured personal loans. Market concentration is found to have ...
-
78 FR 44582 - Notice of HUD-Held Multifamily & Healthcare Loan Sale, (MHLS 2013-2)
2013-07-24
.... Hearing- or speech-impaired individuals may call 202-708-4594 (TTY). These are not toll-free numbers... to submit bids on the Mortgage Loans in MHLS 2013-2. Freedom of Information Act Requests HUD reserves... to disclose any information that HUD is obligated to disclose pursuant to the Freedom of Information...
-
24 CFR 201.40 - Post-disbursement loan requirements.
2010-04-01
...-disbursement loan requirements. (a) Discovery of misstatements of fact. If, after a loan has been made, the lender discovers any material misstatement of fact or that the loan proceeds have been misused by the... insurance of the loan shall not be affected unless such material misstatement of fact or misuse of loan...
-
7 CFR 1610.5 - Minimum Bank loan.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Minimum Bank loan. 1610.5 Section 1610.5 Agriculture Regulations of the Department of Agriculture (Continued) RURAL TELEPHONE BANK, DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.5 Minimum Bank loan. A Bank loan will not be made unless the applicant qualifies for a Bank...
-
24 CFR 1007.30 - Security for loan.
2010-04-01
... 24 Housing and Urban Development 4 2010-04-01 2010-04-01 false Security for loan. 1007.30 Section... SECTION 184A LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING § 1007.30 Security for loan. (a) In general. A... Lands is used as collateral or security for the loan, the following additional provisions apply: (1...
-
The updated soil protection act. A decision support tool for contaminated groundwater
Groenewold, Henk; 364465476
2013-01-01
SUMMARY Not much attention was paid to the subsurface environmental quality of the Netherlands until the big pollution scandals in the early 1980’s. As a response, the government developed the multifunctional soil protection act (Wbb) to be applicable fo
-
Environment Protection (Nuclear Codes) Act 1978, No. 32
International Nuclear Information System (INIS)
1978-01-01
The purpose of this Act is to make provision for protecting the health and safety of the people of Australia, and the environment from possible harmful effects associated with nuclear activities. The competent Federal Minister, after consultation with the appropriate Minister of each State, may from time to time arrange for the formulation of codes of practice for regulating and controlling nuclear activities. Also, the Governor-General may authorize by order a Minister to take such action as is necessary to control and eliminate hazards to the health and safety of persons, or the environment, resulting from a nuclear activity. (NEA) [fr
-
Economic Loan Loss Provision and Expected Loss
Directory of Open Access Journals (Sweden)
Stefan Hlawatsch
2010-10-01
Full Text Available The intention of a loan loss provision is the anticipation of the loan's expected losses by adjusting the book value of the loan. Furthermore, this loan loss provision has to be compared to the expected loss according to Basel II and, in the case of a difference, liable equity has to be adjusted. This however assumes that the loan loss provision and the expected loss are based on a similar economic rationale, which is only valid conditionally in current loan loss provisioning methods according to IFRS. Therefore, differences between loan loss provisions and expected losses should only result from different approaches regarding the parameter estimation within each model and not due to different assumptions regarding the outcome of the model. The provisioning and accounting model developed in this paper overcomes the before-mentioned shortcomings and is consistent with an economic rationale of expected losses. Additionally, this model is based on a close-to-market valuation of the loan that is in favor of the basic idea of IFRS. Suggestions for changes in current accounting and capital requirement rules are provided.
-
Directory of Open Access Journals (Sweden)
Bernard Ndirangu Wachira
2017-08-01
Full Text Available Household loans remain the engine to productivity and economic growth globally. Non-prime household loan is essential, because it enables the borrowers with no collateral to access credit from Microfinance Banks. The survival and sustainability of non-prime household loans globally is therefore significant. Credit risk however remains the main deterrent of the soundness of Microfinance Banks. This leads to the poor performance of microfinance institutions in many economies in the world. Several countries globally are making inroad in reducing the credit risks, which lead to the poor performance of Microfinance Banks. It is still unknown why the credit risk affects the performance of non-prime household loans in the Microfinance Banks domiciled in Kenya. The reason for conducting this study is to determine the level at which the third party loan guarantee and the performance of non-prime household loans relate to the Microfinance Banks in Kenya. Particularly, this study is to determine how the amount secured by guarantee, recoveries from guarantors, percentage of loan secured, and percentage recoveries from guarantors relate to the performance of nonprime household loans in the Microfinance Banks in Kenya. The population was 516 senior management employees of the banks. The researcher conducted a multiple regression analysis for determining the relationship between the amount secured by guarantee—recoveries from guarantors, percentage granted, and percentage recoveries—and the performance of non-prime household loans. The R and R2 were used for determining the strength of the relationship and the coefficient of determination at 0.05 level of significance of variables. The result of this study reveals that there exists a strong relationship between the dependent and independent variables, thereby contradicting the null hypothesis, which states that the relationship does not exist. The percentage of the recoveries from the guarantors over the
-
Gender and Banking: Are Women Better Loan Officers?
Thorsten Beck; Patrick Behr; Andre Guettler
2013-01-01
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than loans handled by male loan officers. This effect comes in addition to a lower default rate of female borrowers and cannot be explained by sample selection, overconfidence of male loan officers or exp...
-
2010-07-01
...: (a) Financial institution means any office of a bank, savings bank, card issuer as defined in section 103 of the Consumer Credit Protection Act (15 U.S.C. 1602(n)), industrial loan company, trust company, savings and loan, building and loan, or homestead association (including cooperative banks), credit union...
-
2013-02-25
... wellness services and chronic disease management; and pediatric services, including oral \\8\\ and vision... Act uses the terms ``dental'' and ``oral'' interchangeably when referring to the pediatric dental care... Parts 147, 155, and 156 Patient Protection and Affordable Care Act; Standards Related to Essential...
-
7 CFR 1436.8 - Security for loan.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Security for loan. 1436.8 Section 1436.8 Agriculture... Security for loan. (a) Except as agreed to by CCC, all loans must be secured by a promissory note and... prior lien holders. (2) A loan will be considered to be adequately secured when the real estate security...
-
49 CFR 22.57 - Loan reporting requirements.
2010-10-01
... indicates the date in which the loan has been activated/funded. The form is available at http://www.osdbu... repayment of the STLP loan, or upon expiration of the loan guarantee. The form is available at http://www... Report and form DOT F 2305-1 Guaranty Loan Status Report. These forms are available at http://www.osdbu...
-
13 CFR 120.546 - Loan asset sales.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loan asset sales. 120.546 Section....546 Loan asset sales. (a) General. Loan asset sales are governed by § 120.545(b)(4) and by this... consented to SBA's sale of the loan (guaranteed and unguaranteed portions) in an asset sale conducted or...
-
7 CFR 771.14 - Loan monitoring.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan monitoring. 771.14 Section 771.14 Agriculture... SPECIAL PROGRAMS BOLL WEEVIL ERADICATION LOAN PROGRAM § 771.14 Loan monitoring. (a) Annual and periodic... any potential problems or concerns. (b) Performance monitoring. At any time FSA determines it...
-
Interlibrary Loan Communications Subsystem: Users Manual.
OCLC Online Computer Library Center, Inc., Dublin, OH.
The OCLC Interlibrary Loan (ILL) Communications Subsystem provides participating libraries with on-line control of ILL transactions. This user manual includes a glossary of terms related to the procedures in using the system. Sections describe computer entry, searching, loan request form, loan response form, ILL procedures, the special message…
-
Race and Subprime Loan Pricing
Hernandez, Ruben; Owyang, Michael; Ghent, Andra
2011-01-01
In this paper we investigate whether race and ethnicity influenced subprime loan pricing during 2005, the peak of the subprime mortgage expansion. We combine loan-level data on the performance of non-prime securitized mortgages with individual- and neighborhood-level data on racial and ethnic characteristics for metropolitan areas in California and Florida. Using a model of rate determination that accounts for predicted loan performance, we evaluate the presence of disparate impact and dispar...
-
7 CFR 1744.63 - The telephone loan budget.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false The telephone loan budget. 1744.63 Section 1744.63... Disbursement of Funds § 1744.63 The telephone loan budget. When the loan is made, RUS provides the borrower a Telephone Loan Budget, RUS Form 493. This budget divides the loan into budget accounts such as “Engineering...
-
The determinants of loan contracts to business firms
Pham, Thi Thu Trà; Lensink, Robert
2006-01-01
This paper deals with loan contracting from a private bank in Vietnam. We focus on the main loan contract features that the bank uses in lending to business firms, namely loan maturity, collateral and loan interest rate. Based upon the simultaneous equation model of Dennis et al. (2000) and the bank’s loan contracting policies, we examine the possible interdependency of the three different loan contract terms. Also, we try to determine which firm characteristics and exogenous factors are rele...
-
2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.72 Loan closing. (a... all cases, the borrower must: (1) Provide evidence that an Agency-approved accounting system is in... cost of the work performed in connection with the construction contract in accordance with 7 CFR part...
-
29 CFR 4043.67 - Loan default.
2010-07-01
... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.67 Section 4043.67 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Advance Notice of Reportable Events § 4043.67 Loan default. (a) Reportable event and information required. Advance notice is required for a loan default, as described in...
-
7 CFR 761.8 - Loan Limitations.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan Limitations. 761.8 Section 761.8 Agriculture... SPECIAL PROGRAMS GENERAL PROGRAM ADMINISTRATION General Provisions § 761.8 Loan Limitations. (a) Dollar... cannot exceed any of the following at the time of loan closing or assumption of indebtedness. If the...
-
7 CFR 1951.885 - Loan classifications.
2010-01-01
... classifications is of obvious importance. However, the function of the Substandard classification is to indicate... seasoned loan, a loan must: (1) Have a remaining principal loan balance of two-thirds or less of the... intermediary's operation or an imbalanced position in the balance sheet which has not reached a point that...
-
7 CFR 1435.104 - Loan maintenance.
2010-01-01
... quality and quantity as collateral to satisfy the processor's loan indebtedness to CCC. CCC shall not assume any loss in quantity or quality of the loan collateral. (2) The processor is responsible for... and in-process sugar pledged as loan collateral need not be stored identity preserved. (4) When the...
-
2010-01-01
... DIRECT MULTI-FAMILY HOUSING LOANS AND GRANTS Direct Loan and Grant Origination § 3560.63 Loan limits. (a... Agency will analyze Federal Government and other assistance provided to any MFH project to establish the... differently in a Memorandum of Understanding between the Agency and the state agency that allocates low-income...
-
77 FR 34233 - Telephone Consumer Protection Act of 1991
2012-06-11
... initiator of the message, to be a nuisance and an invasion of privacy; and (3) individuals' privacy rights... are made by the consumer's loan servicer, because the primary motivation of the calling party is to... challenged as TCPA violations because the primary motivation appears to be sending a telephone solicitation...
-
Federal Student Loan Amounts and Terms for Loans Issued in 2016-17
Project on Student Debt, 2016
2016-01-01
U.S. citizens or permanent residents, enrolled at least half time in a qualified program at a participating school, not in default on a prior federal student loan, and not previously convicted of a drug offense while receiving federal financial aid are eligible to apply for a student loan. The chart presented in this report summarizes the interest…
-
Covenant Violations and Dynamic Loan Contracting
DEFF Research Database (Denmark)
Freudenberg, Felix; Imbierowicz, Björn; Saunders, Anthony
2017-01-01
This paper examines the dynamic allocation of control rights in private debt contracts of firms. We show that a covenant violation in the prior loan contract implies a stigma for borrowers which results in stricter loan contract terms in subsequent new loan contracts. Our analyses reject...... potentially other explanations such as firm characteristics or agency problems between the lender and firm management, shareholders or public debtholders. After covenant violations in the prior contract, new loans have on average 18 bps higher spreads and include more of those covenant types which also have...
-
Evaluation Of Loan Disbursement And Repayment Of Supervised ...
African Journals Online (AJOL)
Evaluation Of Loan Disbursement And Repayment Of Supervised Credit ... bank as regard to loan supervision was scored low as a result of low rate of loan recovery, ... strategy to recover outstanding debts and reduce interest charge on loans.
-
Real promise or false hope: DOE's title XVII loan Guarantee
Energy Technology Data Exchange (ETDEWEB)
Massouh, Jennifer F.; Cannon, George D. Jr.; Logan, Suzanne M.; Schwartz, David L.
2009-05-15
While the American Recovery and Reinvestment Act of 2009 expanded the DOE loan guarantee program to include certain ''shovel-ready'' projects, and appropriated $6 billion to cover the credit subsidy cost associated with these projects, it failed to resolve some of the most pressing problems facing the program. Here are some recommendations that may finally get some shovels in the ground. (author)
-
2010-01-01
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.82 Section 100.82 Federal... Contributions § 100.82 Bank loans. (a) General provisions. A loan of money to a political committee or a candidate by a State bank, a federally chartered depository institution (including a national bank) or a...
-
2010-01-01
... 11 Federal Elections 1 2010-01-01 2010-01-01 false Bank loans. 100.142 Section 100.142 Federal... Expenditures § 100.142 Bank loans. (a) General provisions. Repayment of a loan of money to a candidate or a political committee by a State bank, a federally chartered depository institution (including a national bank...
-
77 FR 76414 - William D. Ford Federal Direct Loan Program
2012-12-28
... Federal Direct Loan Program AGENCY: Department of Education. ACTION: Final regulations; correction... Loan (Perkins Loan) Program; the Federal Family Education Loan (FFEL) Program; and the William D. Ford Federal Direct Loan (Direct Loan) Program, including the Public Service Loan Forgiveness (PSLF) Program...
-
THE LOAN CONTRACT IN THE NEW CIVIL CODE
Directory of Open Access Journals (Sweden)
LIVIA MOCANU
2012-05-01
Full Text Available The new Civil Code maintains, mainly, the stipulations of the Civil Code of 1865 regarding loan contracts, in its both forms (the loan for use and the loan for consumption. As a variety of the loan for consumption, a few new specific stipulations were included, regarding the loan with interest.This research is focused on the current regulation of the loan contract, including a series of changes, of which the most important refers to: the loan promise, the risk regarding the asset placed in a bailment, property transfer and the risk in the loan for consumption contract, loan return and the interest regime. Also, what kept my attention is the significant changes brought to the interest regime by the Law for applying the Civil Code, included for now in Chapter I of the O.G. no. 13/2011, regarding the legal compensatory interest and the penalty interest for financial duties, as well as for the regulation of certain financial-fiscal measures in the banking department.
-
Szuba, Marek
2006-01-01
This paper presents the most important elements of the localization procedure of high voltage overhead lines and substations and radiocommunication objects which are the source of electromagnetic fields. These fields are perceived as a major threat to human health. The point of departure to make a choice of investments is the special classification of technical installations described in one of the executive directive issued by virtue of the Environmental Protection Act. This special executive directive enumerates a lot of technical objects (installation), classified in the group of investments which have significant impact on the environment and some objects which could be classified in this group. For all this technical installations (e.g., overhead high voltage power lines) the provisions of the Environmental Protection Act impose an obligation to take particular steps to assure transparency of the environmental protection procedures, transborder procedures and the protection of areas included in the Natura 2000 network.
-
76 FR 71593 - Notice of HUD-Held Multifamily and Healthcare Loan Sale (MHLS 2012-1)
2011-11-18
... speech-impaired individuals may call (202) 708-4594 (TTY). These are not toll-free numbers. SUPPLEMENTARY... to submit bids on the Mortgage Loans in MHLS 2012-1. Freedom of Information Act Requests HUD reserves... to disclose any information that HUD is obligated to disclose pursuant to the Freedom of Information...
-
7 CFR 1421.104 - Marketing assistance loan making.
2010-01-01
... cost for terminating the financing statement for marketing assistance loans disbursed under paragraph... 7 Agriculture 10 2010-01-01 2010-01-01 false Marketing assistance loan making. 1421.104 Section... COMMODITIES-MARKETING ASSISTANCE LOANS AND LOAN DEFICIENCY PAYMENTS FOR 2008 THROUGH 2012 Marketing Assistance...
-
Uranium loans: Delaying the day of reckoning
International Nuclear Information System (INIS)
Anon.
1993-01-01
Spot market volume so far this year, by NUKEM's estimates, comes to just under 11 million lbs. It appears that existing loans are either being extended, or paid back with material borrowed from other sources. Therefore, there has been no significant amount of purchases on the spot market to pay back borrowed uranium. How do we know the loans have not been paid back with spot purchases? For one thing, the amount of uranium loans outstanding has increased. According to our current survey, there may now be as much as 32 million lbs U3O8 equivalent in outstanding loans. At current prices, it's cheaper to borrow than to buy uranium. So borrowers are gambling that prices will remain low for some time, allowing them to delay repayment of the loans. Borrowers then, in essence, are delaying the day of reckoning on these loans. How long they can do so is anyone's guess. As long as uranium is in abundance and utilities remain willing to lend it out, loan activity will likely remain at or near current levels. But when supplies tighten and the market swings in a more positive direction, borrowers may get caught scrambling to repay their loans as quickly as possible
-
7 CFR 1421.113 - Recourse marketing assistance loans.
2010-01-01
... assistance loan collateral may not be delivered or forfeited to CCC in satisfaction of the loan indebtedness... 7 Agriculture 10 2010-01-01 2010-01-01 false Recourse marketing assistance loans. 1421.113 Section... CORPORATION, DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS GRAINS AND SIMILARLY HANDLED...
-
Wang, Marian; Supiano, Beckie; Fuller, Andrea
2012-01-01
As the cost of college has spiraled ever upward and median family income has fallen, the loan program, called Parent PLUS, has become indispensable for increasing numbers of parents desperate to make their children's college plans work. Last year the government disbursed $10.6-billion in Parent PLUS loans to just under a million families. Even…
-
2010-04-01
... collateral securing the loan under § 103.36(d)(2), and has a residual loss after doing so, it must send BIA... principal collateral securing the loan; or (iii) One hundred eighty calendar days after the date of the default. (b) For insured loans, after liquidating all loan collateral, the lender must submit a claim for...
-
24 CFR 201.51 - Proceeding against the loan security.
2010-04-01
....51 Proceeding against the loan security. (a) Property improvement loans. (1) After acceleration of maturity on a secured property improvement loan, the lender may either proceed against the loan security... proceeds against the loan security, it may submit an insurance claim only if it complies with the...
-
7 CFR 1427.23 - Cotton loan deficiency payments.
2010-01-01
..., DEPARTMENT OF AGRICULTURE LOANS, PURCHASES, AND OTHER OPERATIONS COTTON Nonrecourse Cotton Loan and Loan... intentions to receive a loan deficiency payment on the identified commodity or (ii) A completed request for a... cotton based on a locked-in adjusted world price, provide identifying numbers for modules or other...
-
7 CFR 1718.104 - Availability of model loan contract.
2010-01-01
..., DEPARTMENT OF AGRICULTURE LOAN SECURITY DOCUMENTS FOR ELECTRIC BORROWERS Loan Contracts With Distribution Borrowers § 1718.104 Availability of model loan contract. Single copies of the model loan contract (RUS... 7 Agriculture 11 2010-01-01 2010-01-01 false Availability of model loan contract. 1718.104 Section...
-
2010-02-23
... Fin. Brd. Res. No. 95-13 (Aug. 9, 1995). The purpose of the resolution was to prevent Banks from using..., because of amendments to the Bank Act, the specific issue which motivated the original resolution is no... Secure Advances; Secured Lending by Federal Home Loan Banks to Members and Their Affiliates; Transfer of...
-
75 FR 54900 - Notice of HUD-Held Multifamily and Healthcare Loan Sale (MHLS 2010-2)
2010-09-09
..., extension 3927. Hearing- or speech-impaired individuals may call 202-708-4594 (TTY). These are not toll-free... are eligible to submit bids on the Mortgage Loans in MHLS 2010-2. Freedom of Information Act Requests... right to disclose any information that HUD is obligated to disclose pursuant to the Freedom of...
-
12 CFR 614.4470 - Loans subject to bank approval.
2010-01-01
... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans subject to bank approval. 614.4470 Section 614.4470 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Loan Approval Requirements § 614.4470 Loans subject to bank approval. (a) The following loans...
-
2010-09-03
... Housing Administration Risk Management Initiatives: New Loan-to-Value and Credit Score Requirements AGENCY... acceptable risks of financial loss, not unacceptable risks.\\2\\ \\2\\ While the Federal Credit Reform Act of..., specific to each applicant. Lower credit scores indicate greater risk of default on any new credit extended...
-
7 CFR 772.14 - Reamortization of AMP loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Reamortization of AMP loans. 772.14 Section 772.14... AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.14 Reamortization of AMP loans. The Agency may approve reamortization of AMP loans provided: (a) There is no extension of the final maturity date...
-
24 CFR 510.1 - Multi-family property loans.
2010-04-01
... any partnership which is a borrower on a section 312 loan shall be personally liable for repayment of the section 312 loan. Limited partners shall assume personal liability by co-signing the loan note as... not relieve the partnership or corporate borrower from securing the section 312 loan by a mortgage or...
-
Rules versus discretion in loan rate setting
Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.
2011-01-01
Loan rates for seemingly identical borrowers often exhibit substantial dispersion. This paper investigates the determinants of the dispersion in interest rates on loans granted by banks to small and medium sized enterprises. We associate this dispersion with the loan officers’ use of “discretion” in
-
75 FR 9246 - Cooperative Share Loan Insurance
2010-03-01
... DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT [Docket No. FR-5376-N-14] Cooperative Share Loan... comments on the subject proposal. New guidance for cooperative housing loan insurance will be published to update existing policies, and better enable mortgagees to submit cooperative share loans for FHA...
-
2010-04-01
... 26 Internal Revenue 7 2010-04-01 2010-04-01 true Repayment of certain loans by mutual savings banks, building and loan associations, and cooperative banks. 1.592-1 Section 1.592-1 Internal Revenue... (CONTINUED) Mutual Savings Banks, Etc. § 1.592-1 Repayment of certain loans by mutual savings banks, building...
-
13 CFR 120.315 - Interest rate and loan limit.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Interest rate and loan limit. 120... Special Purpose Loans Disabled Assistance Loan Program (dal) § 120.315 Interest rate and loan limit. The interest rate on direct DAL loans is three percent. There is an administrative limit of $150,000 on a...
-
42 CFR 57.213a - Loan cancellation reimbursement.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.213a Section 57... Professions Student Loans § 57.213a Loan cancellation reimbursement. (a) For loans made prior to October 22... credited to this insurance fund), and used only to reimburse the school for the institutional share of any...
-
Did the Pension Protection Act (PPA) of 2006 Resolve the Pension Crisis in Corporate America?
Luca, John J.
2009-01-01
On August 17, 2006, President George W. Bush signed into law the Pension Protection Act (PL 109-280). The 907-page federal law has been referred to as the most comprehensive reform of the nation's pension law since the enactment of the Employee Retirement Income Security Act (ERISA) of 1974 (Lucas, 2008). This paper will examine the major…
-
Collateralised loan obligations (CLOs): A primer
Jobst, Andreas A.
2002-01-01
The following descriptive paper surveys the various types of loan securitisation and provides a working definition of so-called collateralised loan obligations (CLOs). Free of the common rhetoric and slogans, which sometimes substitute for understanding of the complex nature of structured finance, this paper describes the theoretical foundations of this specialised form of loan securitisation. Not only the distinctive properties of CLOs, but also the information economics inherent in the tran...
-
12 CFR 32.7 - Residential real estate loans, small business loans, and small farm loans.
2010-01-01
... concerns about credit quality, undue concentrations in the bank's portfolio of residential real estate, small business, or small farm loans, or concerns about the bank's overall credit risk management systems...
-
78 FR 13885 - Notice of HUD-Held Multifamily & Healthcare Loan Sale, Second Offering (MHLS 2013-1)
2013-03-01
...-708-2625, extension 3927. Hearing- or speech-impaired individuals may call 202-708-4594 (TTY). These... are eligible to submit bids on the Mortgage Loans in the second offering for MHLS 2013- 1. Freedom of... the Freedom of Information Act and all regulations promulgated thereunder. Scope of Notice This notice...
-
78 FR 73415 - Information To Be Distributed to the Federal Home Loan Banks and the Office of Finance
2013-12-06
...Section 20A of the Federal Home Loan Bank Act (Bank Act), requires the Director of the Federal Housing Finance Agency (FHFA) to make available to the Federal Home Loan Banks (Banks) such reports, records, or other information as may be available, relating to the condition of any Bank in order to enable each Bank to evaluate the financial condition of one or more of the other Banks individually and the Bank System as a whole. FHFA has adopted, and published in this issue of the Federal Register, a regulation to implement the statutory information sharing provisions, which will be located at 12 CFR part 1260. As required by Sec. 1260.2(b) of that regulation, FHFA is providing this notification to the Banks and the Bank System's Office of Finance of the categories of information that it will distribute under part 1260 beginning on the effective date noted below.
-
Adaptive management to protect biodiversity: best available science and the Endangered Species Act
Although flawed, the most powerful tool for protecting biodiversity in the United States is the Endangered Species Act, which requires the use of the best available science to ensure that endangered and threatened species are not put in jeopardy of extinction. Unfortunately, the ...
-
Exit Counseling Guide for Federal Student Loan Borrowers
Federal Student Aid, US Department of Education, 2010
2010-01-01
Student loans, unlike grants and work-study, are borrowed money that must be repaid, with interest, just like car loans and home mortgages. You cannot have these loans canceled because you didn't like the education you received, didn't get a job in your field of study or because you're having financial difficulty. Loans are legal obligations that…
-
Cumulative Student Loan Debt in Minnesota, 2015
Williams-Wyche, Shaun
2016-01-01
To better understand student debt in Minnesota, the Minnesota Office of Higher Education (the Office) gathers information on cumulative student loan debt from Minnesota degree-granting institutions. These data detail the number of students with loans by institution, the cumulative student loan debt incurred at that institution, and the percentage…
-
Credit Derivatives and Loan Pricing
Norden, L.; Wagner, W.B.
2007-01-01
This paper examines the relationship between the new markets for credit default swaps (CDS) and the pricing of syndicated loans to U.S. corporates. We find that changes in CDS spreads have a significantly positive coefficient and explain about 25% of subsequent monthly changes in aggregate loan
-
International Nuclear Information System (INIS)
1974-01-01
The offer of the United States to loan Californium-252 sources to the IAEA was made by Dr. Glenn T. Seaborg, then chairman of the USAEC, in his opening statement at the 15th. General Conference of the IAEA held in Vienna in 1971. The purpose of this loan was to make neutron emitting sources available to universities in the Member States for use in educational programmes. The sources, in the form of small needles designed for medical use in radiation therapy, were judged highly suitable for didactic applications due to their small size, limited activity and well documented radiological parameters. Subsequently, in May 1973, the Director General announced the availability of the Californium sources to the Member States. To date, numerous sources have been loaned to universities in Czechoslovakia, Costa Rica, the Federal Republic of Germany, Ghana, India, Iran, Israel, Japan, South Africa, Switzerland, the United Kingdom and Uruguay; additional applications for loans are being processed. It is anticipated that the loan programme will be terminated in 1975 once all the available sources have been distributed. n order to provide guidance for the Member States on the safe exploitation of these sources, a prototype use and storage facility was designed by IAEA staff of the Dosimetry Section of the Division of Life Sciences, and constructed at the IAEA laboratory in Seibersdorf, Austria. Figures 2-5 illustrate some of the details of this container, which is being given to the Ghana Nuclear Centre in support of a training programme for students at the university in Accra. Further advice to users of these sources will be provided by the publication of an instructional syllabus, a laboratory manual for experiments and the safety precautions inherent in the proper handling of neutron emitting radionuclides, authored by Professors Erich J. Hall and Harald H. Rossi of Columbia University. The syllabus and manual will be published as part of the IAEA Technical Series in September
-
THREE DECADES OF CONSUMER PROTECTION OF RIGHTS ACT: RURAL INDIA NEEDS FOCUSED ATTENTION
Dr. Amrit Patel
2017-01-01
India has been observing December 24 each year since 1986 as “National Consumer Rights Day”, when the Consumer Protection Act [CPA], 1986 came into force on this day. Despite the implementation of the CPA has completed three decades in the country, the rural India has yet to understand the meaning of consumer’s rights & the procedure to protect the right enshrined in the CPA,1986. This has its significance because according to the National Council of Applied Economic Research survey report th...
-
Student Loan Default Rates in Minnesota, 2007
Grimes, Tricia
2010-01-01
While Minnesota undergraduates are more likely to take out student loans, they are substantially less likely than their peers nationally to default on federal student loans. Fifty-four percent of Minnesota undergraduates took out student loans in 2007-2008, compared to 39 percent of undergraduates across the U.S. Minnesota undergraduates were also…
-
Loan Market Competition and Bank Risk-Taking
Wagner, W.B.
2007-01-01
Recent literature (Boyd and De Nicoló, 2005) has argued that competition in the loan market lowers bank risk by reducing the risk-taking incentives of borrowers. We show that the impact of loan market competition on banks is reversed if banks can adjust their loan portfolios. The reason is that when
-
The Influence of the Consumer Protection Act 68 of 2008 on the ...
African Journals Online (AJOL)
The implementation of the Consumer Protection Act 68 of 2008 (CPA) has great implications for the South African common law of sale. In this contribution the influence of the CPA on the seller's common law duty to warrant the buyer against eviction is investigated. Upon evaluation of the relevant provisions of the CPA, the ...
-
Investigating on effects of different granting loans on bank deposits
Directory of Open Access Journals (Sweden)
Seyed Kazem Ebrahimi
2013-02-01
Full Text Available This paper investigates the relationship between different granting loans and bank deposits in some governmental banks in province of Semnan, Iran. For the proposed study of this paper, equipment of resources includes cash account, zero-interest account, short term investment and long term investment and these are considered as dependent variables. There are also seven types of granting loans devoted to customers, which are partnership loans, zero-interest loans, civic participation, contract quantity loans, future contract loans, rent-purchase loans and installment sales loans. The study considers the financial information of 171 governmental banks located in province of Semnan, Iran over the period 2006-2011. The results of our study indicate that five variables maintain positive impact on dependent variable. The highest impact belongs to Partnership loans (0.34, followed by Sales loans (0.24, contract quantity loans (0.21 and Zero-interest loans (0.16 and Future contract loans (0.14 come in the last position. The study also uses Freedman test to rank dependent factors and the results indicate that short- term investment is number one priority followed by long term investment and the other two options including zero-interest and cash accounts are in lower priority.
-
Using collateral to secure loans
Yaron Leitner
2006-01-01
In “Using Collateral to Secure Loans,” Yaron Leitner asks: Why is collateral used to secure some loans, but not others? And why does collateral potentially involve more risk? He considers these questions, looking at some of the explanations for using collateral, focusing on its benefits and drawbacks.
-
Collateral in Loan Classification and Provisioning
In W Song
2002-01-01
Adequate loan classification practices are an essential part of a sound and effective credit risk-management process in a bank. Failure to identify deterioration in credit quality in a timely manner can aggravate and prolong the problem. Two key issues arise with regard to the use of collateral in the context of loan classification and provisioning. In particular, the questions arise whether collateral should be taken into account in classifying a collateralized loan, and whether it should be...
-
2011-10-17
... collateral's insurance coverage has expired or is less than the amount required for that particular property... particular type of property under the Act or ``the overall value of the property securing the designated loan minus the value of the land on which the property is located.'' Consistent with terminology used by FEMA...
-
Why Student Loans Are Different: Findings from Six Focus Groups of Student Loan Borrowers
Delisle, Jason; Holt, Alexander
2015-01-01
For all the attention student loans have received in the media and from policymakers in recent years, there is still remarkably little information on why and how borrowers struggle to repay them. Rising college prices and debt levels explain some of the troubles borrowers have with their loans, as does a slow economic recovery that has caused…
-
Modelling home equity conversion loans with life insurance models
Directory of Open Access Journals (Sweden)
Baškot Bojan
2013-01-01
Full Text Available Home equity represents a reserve that can be used for providing additional money for its owners during their retirement. Life insurance models can be successfully applied to model home equity conversion loans. The home equity conversion loan is a financial product that provides a certain flexibility by using home equity as a resource for a quality life during retirement. Home equity conversion loans do not have a predetermined maturity date, as do conventional loans. But, like every loan, it must be repaid. One potential advantage of using a home equity conversion loan during tough financial times instead of some types of need-based assistance is that eligibility is straightforward. Home equity conversion loans can be useful tools in the process of pension system reform.
-
50 CFR 12.36 - Donation or loan.
2010-10-01
... 50 Wildlife and Fisheries 1 2010-10-01 2010-10-01 false Donation or loan. 12.36 Section 12.36... SEIZURE AND FORFEITURE PROCEDURES Disposal of Forfeited or Abandoned Property § 12.36 Donation or loan. (a... and security for the item. (b) Any donation or loan may be made only after execution of a transfer...
-
2010-04-01
... present ability to meet its costs and fixed financial obligations with its cash flow; and (D) Evidence of the firm's future financial position, such as market studies, country and industry economic forecasts... principal of the loan. (d) Contingent liability interest-free loans—(1) Treatment as loans. In the case of...
-
Migrant and Seasonal Agricultural Worker Protection Act: Forestry contractors' model operating plan
Dan Bremer
2007-01-01
The Model Operating Plan for forestry contractors is a voluntary plan for compliance with the Migrant and Seasonal Agricultural Worker Protection Act (MSPA) of 1983, with amendments passed in 1996 and 1997. This plan is designed as a guide for forestry contractors who wish to comply with all federal, state, and local rules and regulations that govern their employer/...
-
7 CFR 766.112 - Additional security for restructured loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Additional security for restructured loans. 766.112..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS DIRECT LOAN SERVICING-SPECIAL Loan Servicing Programs § 766.112 Additional security for restructured loans. (a) If the borrower is delinquent prior to restructuring, the...
-
The Whistleblower Protection Enhancement Act of 2012 (WPA) and the Whistleblower Protection Act of 1989 Enhanced by the Act of 2012 provides protection rights for Federal employees against retaliation for whistleblowing activities.
-
International Nuclear Information System (INIS)
1985-01-01
This Act both amends and supplements Act No. 76-663 of 19 July 1976 on installations classified for environmental protection purposes. In particular, the new provisions increase the penalties prescribed in cases where classified installations are operated in illegal conditions. (NEA) [fr
-
Discriminant Analysis of Student Loan Applications
Dyl, Edward A.; McGann, Anthony F.
1977-01-01
The use of discriminant analysis in identifying potentially "good" versus potentially "bad" student loans is explained. The technique is applied to a sample of 200 student loan applications at the University of Wyoming. (LBH)
-
Svetlana Andrianova; Badi H Baltagi; Panicos O Demetriades
2011-01-01
African financial deepening is beset by a high rate of loan defaults, which encourages banks to hold liquid assets instead of lending. We put forward a novel theoretical model that captures the salient features of African credit markets which shows that equilibrium with high loan defaults and low lending can arise when contract enforcement institutions are weak, investment opportunities are relatively scarce and information imperfections abound. We provide evidence using a panel of 110 banks ...
-
2010-10-01
... “technology protection measure” as used in this section, are defined in the Children's Internet Protection Act... discounts for Internet access or internal connections must certify on FCC Form 486 that an Internet safety... entity for the consortium, the school must certify instead on FCC Form 479 (“Certification to Consortium...
-
12 CFR 583.12 - Multiple savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Multiple savings and loan holding company. 583... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.12 Multiple savings and loan holding company. The term multiple savings and loan holding company means any savings and loan holding...
-
12 CFR 583.11 - Diversified savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Diversified savings and loan holding company... DEFINITIONS FOR REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.11 Diversified savings and loan holding company. The term diversified savings and loan holding company means any savings and loan holding...
-
75 FR 26706 - Information Collection; Direct Loan Making
2010-05-12
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Making AGENCY... that supports Direct Loan Making programs. The information is used to determine borrower compliance with loan agreements, assist the borrower in achieving business goals, and regular servicing of the...
-
12 CFR 583.20 - Savings and loan holding company.
2010-01-01
... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Savings and loan holding company. 583.20... REGULATIONS AFFECTING SAVINGS AND LOAN HOLDING COMPANIES § 583.20 Savings and loan holding company. The term savings and loan holding company means any company that directly or indirectly controls a savings...
-
7 CFR 772.10 - Transfer and assumption-AMP loans.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Transfer and assumption-AMP loans. 772.10 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.10 Transfer and assumption—AMP loans. (a) Eligibility. The Agency may approve transfers and assumptions of AMP loans when: (1) The...
-
Nuclear Regulatory Authority Act, 2015 (Act 895)
International Nuclear Information System (INIS)
2015-04-01
An Act to establish a Nuclear Regulatory Authority in Ghana. This Act provides for the regulation and management of activities and practices for the peaceful use of nuclear material or energy, and to provide for the protection of persons and the environment against the harmful effects of radiation; and to ensure the effective implementation of the country’s international obligations and for related matters. This Act replaced the Radiation Protection Instrument, of 1993 (LI 1559).
-
Will the new Consumer Protection Act prevent harm to nutritional supplement users?
Gabriels, Gary; Lambert, Mike; Smith, Pete; Hiss, Donavon
2011-07-25
BACKGROUND. There is no clear distinction between the regulation of food, supplements and medicines in South Africa. Consequently, grey areas exist in implementing the legislation, particularly in the supplement industry. The increase in supplement sales in South Africa can be attributed to aggressive marketing by manufacturers whose claims are not always supported by published peer-reviewed evidence. Such claims often go unchecked, resulting in consumers being mislead about the role of supplements. As a result of poor regulation, contaminants or adulterants in supplements may also cause insidious effects unrelated to the listed ingredients. AIM. To assess the regulations, legislation, and claims associated with nutritional supplement products in South Africa. METHOD. Peer-reviewed literature and the relevant South African statutes were consulted. RESULTS. The National Health Act incorporates the Medicine Control Council, which is charged with ensuring the safety, quality and effectiveness of medicines, and related matters, including complementary/alternative medicines. The South African Institute for Drug-Free Sport and Amendment Act provides for testing athletes for using banned substances, but currently does not concern itself with monitoring nutritional supplements for contaminants or adulterants that may cause a positive drug test, which has implications for sports participants and also the health of the general population. The implementation of the Consumer Protection Act 68 of 2008 (CPA) could protect consumer rights if it is administered and resourced appropriately. CONCLUSION. The CPA should promote greater levels of policy development, regulatory enforcement, and consumer education of South Africa's supplement industry.
-
A Trillion-Dollar Question: What Predicts Student Loan Delinquencies?
Mezza, Alvaro; Sommer, Kamila
2016-01-01
The recent significant increase in student loan delinquencies has generated interest in understanding the key factors predicting the non-performance of these loans. However, despite the large size of the student loan market, existing analyses have been limited by lack of data. This paper studies predictors of student loan delinquencies using a…
-
78 FR 51046 - Registration of Mortgage Loan Originators
2013-08-20
... FARM CREDIT ADMINISTRATION 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators... residential mortgage loan originators employed by Farm Credit System (FCS or System) institutions. We are... loan originators at banks, savings associations, credit unions, FCS institutions, and their...
-
International Nuclear Information System (INIS)
Arndt, Hans-Wolfgang
2012-01-01
On 25th June 2009, the Council of the European Union has passed the directive 2009/71/EURATOM on a common framework for nuclear safety of nuclear installations. At first, the 12th Law amending the Atomic Energy Act supplements the Atomic Energy Act by regulations which implement the directive 2009/71/EURATIM into national law. In addition, paragraph 7 Atomic Energy Act introduces a new substantive obligation of the operators of nuclear power plants. The author of the contribution reports on whether paragraph 7 Atomic Energy Act provides additional nuclear protection or reduces the potential protection by law and jurisprudence.
-
78 FR 36781 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-06-19
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...
-
78 FR 73539 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-12-06
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...
-
77 FR 33217 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-05
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...
-
77 FR 34043 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-08
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... the HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...
-
78 FR 22545 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-04-16
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... may express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If... HOLA (12 U.S.C. 1467a(c)(4)(B)). Unless otherwise noted, nonbanking activities will be conducted...
-
7 CFR 160.74 - Loan of standards without security.
2010-01-01
... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards without security. 160.74 Section 160... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.74 Loan of standards without security. Duplicates of the United States Standards for rosin may be loaned without deposit of...
-
Syndicated Loan Signed for CPECC'S KUWAIT Project
Institute of Scientific and Technical Information of China (English)
无
1997-01-01
@@ China Petroleum Engineering Construction Corp. (CPECC) has got a syndicated loan of 80 million USD from a consortium composed of 15 banks of Japan, Germany, France, Netherlands and Belgium with Sanwa Bank Hongkong Branch as the arrangement bank. The loan will be used for building a multiple well manifold production station (MWMPS) in Kuwait. The signing ceremony for the loan agreement was held in late January 1997.
-
75 FR 77935 - Patriot Express Pilot Loan Initiative
2010-12-14
... SMALL BUSINESS ADMINISTRATION Patriot Express Pilot Loan Initiative AGENCY: U.S. Small Business Administration (SBA). ACTION: Notice of extension of the Patriot Express Pilot Loan Initiative. SUMMARY: This notice extends the Patriot Express Pilot Loan Initiative in its current form through December 31, 2013...
-
Advisory Committee on Student Financial Assistance, 2012
2012-01-01
A review of net price calculators--a financial aid tool mandated by the "Higher Education Opportunity Act" of 2008--reveals that students from low-, moderate-, and middle-income families face record-level net prices at 4-year public colleges today. These net prices will translate into levels of average total loan burden far in excess of…
-
CORAL REEF BIOLOGICAL CRITERIA: USING THE CLEAN WATER ACT TO PROTECT A NATIONAL TREASURE
Coral reefs are declining at unprecedented rates worldwide due to multiple interactive stressors including climate change and land-based sources of pollution. The Clean Water Act (CWA) can be a powerful legal instrument for protecting water resources, including the biological inh...
-
2011-10-28
... DEPARTMENT OF HOMELAND SECURITY Office of the Secretary [Docket No. DHS-2011-0083] Privacy Act of 1974; Department of Homeland Security/United States Secret Service--004 Protection Information System... Security (DHS)/United States Secret Service (USSS)-004 System name: DHS/USSS-004 Protection Information...
-
Gender and Banking : Are Women Better Loan Officers?
Beck, T.H.L.; Behr, P.; Guttler, A.
2009-01-01
We analyze gender differences associated with loan officer performance. Using a unique data set for a commercial bank in Albania over the period 1996 to 2006, we find that loans screened and monitored by female loan officers show statistically and economically significant lower default rates than
-
7 CFR 1945.35 - Special EM loan training.
2010-01-01
...) PROGRAM REGULATIONS (CONTINUED) EMERGENCY Disaster Assistance-General § 1945.35 Special EM loan training... workshop and a test. (c) Objective. The basic objective of this training program is to keep State and... employees in administering the EM loan program. (d) Comprehensive EM loan training package. A comprehensive...
-
42 CFR 57.1518 - Modification of loans.
2010-10-01
... CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession...
-
76 FR 5055 - Loan Servicing; Farm Loan Programs
2011-01-28
... suspending interest accrual and offsets, if a borrower has filed a claim of program discrimination that has... claim, including interest accruals and offsets, while the discrimination claim is being resolved. This... 761 Accounting, Loan programs--Agriculture, Rural areas. 7 CFR Part 766 Agriculture, Agricultural...
-
13 CFR 120.383 - Restrictions on loan processing.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Restrictions on loan processing. 120.383 Section 120.383 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS.... Since greater risk may be associated with a loan to an applicant under this program, a Certified Lender...
-
13 CFR 120.1707 - Seller's retained Loan Interest.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's retained Loan Interest. 120.1707 Section 120.1707 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1707 Seller...
-
13 CFR 120.1714 - Seller's Pool Loan servicing.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan servicing. 120.1714 Section 120.1714 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1714 Seller...
-
13 CFR 120.1715 - Seller's Pool Loan liquidation.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan liquidation. 120.1715 Section 120.1715 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1715 Seller...
-
13 CFR 120.1713 - Seller's Pool Loan origination.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan origination. 120.1713 Section 120.1713 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1713 Seller...
-
13 CFR 120.1717 - Seller's Pool Loan deferments.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Seller's Pool Loan deferments. 120.1717 Section 120.1717 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Establishment of SBA Secondary Market Guarantee Program for First Lien Position 504 Loan Pools § 120.1717 Seller...
-
7 CFR 3550.108 - Security requirements (loans only).
2010-01-01
... 7 Agriculture 15 2010-01-01 2010-01-01 false Security requirements (loans only). 3550.108 Section..., DEPARTMENT OF AGRICULTURE DIRECT SINGLE FAMILY HOUSING LOANS AND GRANTS Section 504 Origination and Section 306C Water and Waste Disposal Grants § 3550.108 Security requirements (loans only). When the total...
-
24 CFR 207.252a - Premiums-operating loss loans.
2010-04-01
... Premiums—operating loss loans. (a) The mortgagee, upon the insurance endorsement of the increase loan credit instrument covering the operating loss loan, shall pay to the Commissioner a first mortgage...
-
7 CFR 1776.17 - Revolving loan fund maintenance.
2010-01-01
..., justifies different amounts, a reserve for bad debts of 6 percent of outstanding loans must be accumulated... 7 Agriculture 12 2010-01-01 2010-01-01 false Revolving loan fund maintenance. 1776.17 Section 1776..., DEPARTMENT OF AGRICULTURE (CONTINUED) HOUSEHOLD WATER WELL SYSTEM GRANT PROGRAM HWWS Loans § 1776.17...
-
14 CFR 1300.23 - Participation in guaranteed loans.
2010-01-01
... lender may distribute the risk of a portion of a loan guaranteed under the program by sale of... transferred in whole or in part; (2) The lender remains solely responsible for the administration of the loan... loans guaranteed under the program: (1) Eligible lenders; (2) Private investment funds and insurance...
-
7 CFR 773.21 - Loan decision, closing, and fees.
2010-01-01
..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SPECIAL APPLE LOAN PROGRAM § 773.21 Loan decision, closing, and... required to execute the promissory notes as individuals. (c) Fees. The applicant will pay all loan closing...
-
78 FR 33755 - Project Financing Loans
2013-06-05
... CFR Part 1710 [0572-AC21] Project Financing Loans AGENCY: Rural Utilities Service, USDA. ACTION... also considering regulations to clarify the agency's procedures for single asset/project financing... parameters necessary to more effectively and prudently use project financing in the RUS electric loan program...
-
The effect of organizational hierarchy on loan rates and risk assessments
Bouwens, J.; Kroos, P.
2012-01-01
We examine whether loan decisions are affected by the internal decision structure of the bank. Banks typically grant decision rights on straight-forward loans entirely to individual loan officers. For more risky loans these officers have to seek ratification for their loan proposals at higher
-
42 CFR 57.313a - Loan cancellation reimbursement.
2010-10-01
... 42 Public Health 1 2010-10-01 2010-10-01 false Loan cancellation reimbursement. 57.313a Section 57.313a Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR... Loans § 57.313a Loan cancellation reimbursement. In the event that insufficient funds are available to...
-
7 CFR 1435.105 - Loan settlement and foreclosure.
2010-01-01
... all or any part of the loan collateral by paying CCC the applicable principal and interest. (b) Forfeiture of sugar loan collateral will be accepted as payment in full of the principal and interest due...) Forfeiture of in-process sugar serving as loan collateral will be accepted as payment in full of principal...
-
From Payday Loans To Pawnshops: Fringe Banking, The Unbanked, And Health.
Eisenberg-Guyot, Jerzy; Firth, Caislin; Klawitter, Marieka; Hajat, Anjum
2018-03-01
The fringe banking industry, including payday lenders and check cashers, was nearly nonexistent three decades ago. Today it generates tens of billions of dollars in annual revenue. The industry's growth accelerated in the 1980s with financial deregulation and the working class's declining resources. With Current Population Survey data, we used propensity score matching to investigate the relationship between fringe loan use, unbanked status, and self-rated health, hypothesizing that the material and stress effects of exposure to these financial services would be harmful to health. We found that fringe loan use was associated with 38 percent higher prevalence of poor or fair health, while being unbanked (not having one's own bank account) was associated with 17 percent higher prevalence. Although a variety of policies could mitigate the health consequences of these exposures, expanding social welfare programs and labor protections would address the root causes of the use of fringe services and advance health equity.
-
78 FR 19268 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-03-29
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 62634 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-10-22
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 57638 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-09-19
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 37674 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-22
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 68122 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-11-15
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 26369 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-05-06
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 62302 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-10-15
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 15370 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-03-15
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 55257 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-09-10
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 78958 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-12-27
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 76146 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-12-16
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
76 FR 61102 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2011-10-03
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 5804 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-01-28
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 54648 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-09-05
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 2064 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-01-13
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR Part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 57854 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-09-20
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
76 FR 63621 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2011-10-13
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 3476 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-01-24
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 76040 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-12-26
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 71593 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-12-03
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
78 FR 17931 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2013-03-25
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
76 FR 58811 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2011-09-22
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 35386 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-13
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 59195 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-09-26
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 37907 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-25
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 21561 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-04-10
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 35681 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-14
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 38817 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-29
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
77 FR 37406 - Formations of, Acquisitions by, and Mergers of Savings and Loan Holding Companies
2012-06-21
... Owners' Loan Act (12 U.S.C. 1461 et seq.) (HOLA), Regulation LL (12 CFR part 238), and Regulation MM (12... express their views in writing on the standards enumerated in the HOLA (12 U.S.C. 1467a(e)). If the... acquisition of the nonbanking company complies with the standards in section 10(c)(4)(B) of the HOLA (12 U.S.C...
-
12 CFR 614.4330 - Loan participations.
2010-01-01
... Purchases and Sales § 614.4330 Loan participations. Agreements to purchase or sell a participation interest... minimum: (1) Define the duties and responsibilities of the participating institution and the lead lender, and/or the servicing institution, if different from the lead lender. (2) Provide for loan servicing...
-
Tranching in the Syndicated Loan Market
Cumming, D.; McCahery, J.A.; Schwienbacher, A.
2011-01-01
We use data comprising over 100,000 loans from 115 countries during 1995-2009 to examine factors that affect the extent of loan tranching, and the range of tranche spreads. The data show five factors that drive them: asymmetric information, borrower risk, transaction costs, the presence of
-
7 CFR 1421.106 - Warehouse-stored marketing assistance loan collateral.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Warehouse-stored marketing assistance loan collateral... Marketing Assistance Loans § 1421.106 Warehouse-stored marketing assistance loan collateral. (a) A commodity may be pledged as collateral for a warehouse-stored marketing assistance loan in the quantity...
-
Como reembolsar sus prestamos para estudiantes (Repaying Your Student Loans).
Office of Federal Student Aid (ED), Washington, DC.
This guide, written in Spanish, discusses how to repay student loans. Following a general introduction, the guide discusses the grace period before repayment and repayment requirements. Repayment plans are described for Perkins Loans, Direct Loans, and Federal Family Education Loans. Repayment options are discussed, including consolidation,…
-
38 CFR 36.4524 - Sale of loans.
2010-07-01
... regulations concerning direct loans to veterans as may be inconsistent therewith or variant therefrom shall no... Veterans Affairs may issue a guaranty in connection therewith within the maximums applicable to loans...
-
2010-01-01
... institution means any office of a bank, savings bank, card issuer as defined in section 103 of the Consumers Credit Protection Act (15 U.S.C. 1602(n)), industrial loan company, trust company, savings association, building and loan, or homestead association (including cooperative banks), credit union, or consumer...
-
7 CFR 1735.33 - Variable interest rate loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Variable interest rate loans. 1735.33 Section 1735.33... § 1735.33 Variable interest rate loans. After June 10, 1991, and prior to November 1, 1993, RUS made certain variable rate loans at interest rates less than 5 percent but not less than 2 percent. For those...
-
50 CFR 31.11 - Donation and loan of wildlife specimens.
2010-10-01
... 50 Wildlife and Fisheries 6 2010-10-01 2010-10-01 false Donation and loan of wildlife specimens... of Wildlife Reduction and Disposal § 31.11 Donation and loan of wildlife specimens. Wildlife specimens may be donated or loaned to public institutions for specific purposes. Donation or loans of...
-
7 CFR 1744.207 - Investment not to jeopardize loan security.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Investment not to jeopardize loan security. 1744.207... SERVICE, DEPARTMENT OF AGRICULTURE POST-LOAN POLICIES AND PROCEDURES COMMON TO GUARANTEED AND INSURED TELEPHONE LOANS Borrower Investments § 1744.207 Investment not to jeopardize loan security. A borrower shall...
-
2013-10-25
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2013-06-27
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2012-12-13
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...
-
2013-10-15
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...
-
2012-11-06
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...
-
2011-12-05
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...
-
2013-04-10
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2011-10-03
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2011-11-28
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2012-05-02
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR part 238) to acquire shares of a savings and...
-
2013-10-31
... FEDERAL RESERVE SYSTEM Change in Bank Control Notices; Acquisitions of Shares of a Savings and Loan Holding Company The notificants listed below have applied under the Change in Bank Control Act (12 U.S.C. 1817(j)) and the Board's Regulation LL (12 CFR Part 238) to acquire shares of a savings and...
-
Testing the tools of development: credit programmes, loan involvement, and women's empowerment.
Ackerly, B A
1995-07-01
This study finds that income generation programs should not focus on women's labor as a means of empowerment. Empowerment should be directed to women's direct involvement in selling and accounting in the loan activity and in the techniques of lending agencies that promote empowerment. Borrowers are empowered through market activities and nonmarket strategies such as changing the institutional environment. Local women can be hired as group promoters. When payments are made to a collection post, local women promoters can be protected and travel to remote areas without fear for security. It is argued that goals are reached successfully, when tasks are clearly defined. Empowerment in this study means knowledge of accounting for the borrower's loan activity. It is argued that organizations that choose to make women's empowerment a goal can use this factor to measure program impact. Data for this study are obtained from the Bangladesh Rural Advancement Committee (BRAC), Grameen Bank (GB), and Save the Children, Bangladesh Field Office (SCF). The general model indicates that the borrower will be empowered in the process of taking out a loan and investing it in an activity. The likelihood that the credit process will lead to empowerment, given the multiple lending options, is tested in a probit model. Explanatory variables include location, borrower's direct contribution of labor to all or part of the activity, a borrower's direct involvement in buying supplies or selling or accounting for the loan, the lending organization (BRAC, GB, or SCF), loan amount, number of years of borrowing, and borrower position as a center or group chair. The results are based on the 826 loans of the 613 female borrowers. Significant features that contributed to borrower's knowledge included, in the order of significance, participation in accounting, selling, and labor. The key factor appeared to be market access. The impact of organization and involvement was maximized among individuals who
-
7 CFR 1710.119 - Loan processing priorities.
2010-01-01
... and Basic Policies § 1710.119 Loan processing priorities. (a) Generally loans are processed in... in effect at the time the facilities were originally constructed; (3) To finance the capital needs of...
-
19 CFR 351.506 - Loan guarantees.
2010-04-01
... Duties INTERNATIONAL TRADE ADMINISTRATION, DEPARTMENT OF COMMERCE ANTIDUMPING AND COUNTERVAILING DUTIES Identification and Measurement of Countervailable Subsidies § 351.506 Loan guarantees. (a) Benefit—(1) In general. In the case of a loan guarantee, a benefit exists to the extent that the total amount a firm pays for...
-
44 CFR 206.367 - Loan repayment.
2010-10-01
... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false Loan repayment. 206.367 Section 206.367 Emergency Management and Assistance FEDERAL EMERGENCY MANAGEMENT AGENCY, DEPARTMENT OF... interest, P=the principal amount disbursed; R=the interest rate of the loan; and, T=the outstanding term in...
-
Directory of Open Access Journals (Sweden)
Bernard Ndirangu Wachira
2017-08-01
Full Text Available The part played by non-prime household loans in improving the lives of many people who cannot afford collateral globally cannot be ignored. Many Microfinance Banks in many economies worldwide have tried to maintain the Grameen Bank Model of granting microloans, mainly non-prime household loans. However, the credit risks associated with this initiative hamper the pace at which the granting of this credit facility is expected to grow. This study intends to explore the relationship between the post loan disbursement allocation and the performance of non-prime household loans in the Microfinance Banks in Kenya. The theory associated to this study is the Credit Risk Theory. This theory, which is regarded as credit structural theory, was developed by Merton in 1972. The descriptive survey research design method was applied, and the sample size was 150 respondents. The data-collection tool used was a questionnaire. A logistic regression analysis was conducted for the purpose of predicting non-prime household performance in the Microfinance Banks using training budget, recoveries budget, percentage of training budget, and percentage of recoveries budget as predictors. The Wald test shows that training budget, recoveries budget, and percentage of training budget were good predictors, making a significant contribution to prediction. The percentage of budget on recoveries was not a significant predictor. The Microfinance Banks should enhance the performance of non-prime household loans through capacity building to the borrowers and educate the borrowers on dangers of enforced loan recoveries. The government, through the Central Bank of Kenya, should have a training policy for the Microfinance Banks so that they can enlighten the borrowers on proper financial management to avoid conflicts with borrowers during loan recoveries.
-
de Roon, F.A.; Veld, C.H.
1995-01-01
This study investigates the announcement effects of offerings of convertible bond loans and warrant-bond loans using data for the Dutch market. Using standard event study methodology it is found that on average stock prices show a positive but insignificant abnormal return for the announcement of a
-
78 FR 28953 - William D. Ford Federal Direct Loan Program
2013-05-16
.... Ford Federal Direct Loan Program; Interim Final Rule #0;#0;Federal Register / Vol. 78, No. 95... [Docket ID ED-2013-OPE-0066] RIN 1840-AD13 William D. Ford Federal Direct Loan Program AGENCY: Office of... Secretary amends the William D. Ford Federal Direct Loan Program (Direct Loan Program) regulations to...
-
13 CFR 120.520 - Purchase of 7(a) loan guarantees.
2010-01-01
... condition of the collateral, plans for any type of loan workout or loan restructuring, existing liquidation activities including the sale of loan collateral, or the status of ongoing foreclosure proceedings. The... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Purchase of 7(a) loan guarantees...
-
The Thrift Industry and the Community Reinvestment Act: Assessing the Cost of Social Responsibility
Donald F. Vitaliano; Gregory Stella
2003-01-01
A stochastic frontier cost function indicates that the annual cost of complying with the anti-redlining Community Reinvestment Act (CRA) is $171,000 per thrift institution, roughly 2.3 percent of variable costs. But compliance cost is significantly less than the estimated 21 percent cost inefficiency. Based on published estimates of the incremental number of mortgage loans induced by CRA, the marginal cost is $38,000 per loan. The regulations whose compliance cost is estimated apply to about ...
-
13 CFR 120.215 - What interest rates apply to smaller loans?
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false What interest rates apply to... BUSINESS LOANS Policies Specific to 7(a) Loans Maturities; Interest Rates; Loan and Guarantee Amounts § 120.215 What interest rates apply to smaller loans? For a loan over $25,000 but not exceeding $50,000, the...
-
75 FR 23218 - Information Collection; Direct Loan Servicing-Regular
2010-05-03
... collections established in the regulation are necessary for FSA to monitor and account for loan security... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Direct Loan Servicing... collection that supports Direct Loan Servicing-Regular programs. The information is used to determine...
-
42 CFR 57.1515 - Loan closing.
2010-10-01
... to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1515 Loan... 42 Public Health 1 2010-10-01 2010-10-01 false Loan closing. 57.1515 Section 57.1515 Public Health PUBLIC HEALTH SERVICE, DEPARTMENT OF HEALTH AND HUMAN SERVICES GRANTS GRANTS FOR CONSTRUCTION OF TEACHING...
-
7 CFR 160.75 - Loan of standards under security deposit.
2010-01-01
... 7 Agriculture 3 2010-01-01 2010-01-01 false Loan of standards under security deposit. 160.75... REGULATIONS AND STANDARDS FOR NAVAL STORES Loan and Care of United States Standards § 160.75 Loan of standards under security deposit. Duplicates of the United States Standards for rosin may be loaned to interested...
-
International Nuclear Information System (INIS)
1983-01-01
The Act of 29 March 1958 on protection of the population against the hazards of ionizing radiation has been amended by an Act of 14 July 1983. The amendments concern, in particular, the non-involvement of communal authorities in decisions taken under the Act, the inclusion of the concept of the environment as a complement to public safety, and the extension of the powers of officials responsible for supervising certain aspects of the transport of radioactive materials. Finally, a new Section has been added which empowers the King to suspend or cancel decisions by decentralised administrations which affect the transport of nuclear substances. (NEA) [fr
-
Single Family Loan Sale Initiative - National Offering
Department of Housing and Urban Development — The FHA Office of Housing is conducting a series of mortgage loan sales under the Single Family Loan Sale (SFLS) Initiative. The current sales structure consists of...
-
TANGKO, IRENE LASTRY FARDANI
2012-01-01
Non Performing Loan (NPL)Analisis Pengaruh Capital Adequacy Ratio (CAR) dan Non Performing Loan (NPL) Terhadap Loan to Deposit Ratio (LDR) Pada Bank BUMN Persero Di Indonesia Analysis ofEffect ofCapitalAdequacy Ratio (CAR) and theNon-PerformingLoan(NPL) AgainstLoanto DepositRatio (LDR) Thestate-owned bankinIndonesiaPersero Irene Lastry Fardani Tangko Otto R. Payangan Maat pono Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR) dan Non Performin...
-
78 FR 63158 - Information Collection; Guaranteed Farm Loan Program
2013-10-23
... DEPARTMENT OF AGRICULTURE Farm Service Agency Information Collection; Guaranteed Farm Loan Program... collection associated with the Guaranteed Farm Loan Program. The amended estimate adds the merger of the information collection for the Land Contract Guarantee Program (0560-0279) into the Guaranteed Farm Loan...
-
13 CFR 120.970 - Servicing of 504 loans and Debentures.
2010-01-01
... more frequent basis and monitoring the status of the Borrower and 504 loan collateral. (c) The CDC is... collateral for the 504 loan, as required. (e) The CDC must timely respond to Borrower requests for loan... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Servicing of 504 loans and...
-
The Consumer Protection Act: No-fault liability of health care providers
Slabbert, M Nöthling; Pepper, Michael S
2011-01-01
The introduction of no-fault or strict liability by the Consumer Protection Act 68 of 2008 (CPA) poses serious problems in the health care context. With a patient as a consumer' in terms of the CPA, health care practitioners may find themselves as suppliers' or retailers' as part of a supply chain, and potentially liable for harm and loss suffered by a patient in terms of the new no-fault liability provision. The claimant (patient) can sue anyone in the supply chain in terms of this provision...
-
2010-10-01
... organization table, including: (a) The structure and composition of the Board of Directors of the RLF; (b) The... 45 Public Welfare 4 2010-10-01 2010-10-01 false Staffing and organization of the Revolving Loan... Hawaiian Revolving Loan Fund Demonstration Project § 1336.65 Staffing and organization of the Revolving...
-
Financial Management: Emergency Steel Loan Guarantee Program
National Research Council Canada - National Science Library
2001-01-01
In a February 1, 2001 letter, you expressed concerns about repayments of federally guaranteed loans by borrowers under the Emergency Steel Loan Guarantee Program and the effect of the program on the U.S. steel industry...
-
34 CFR 682.507 - Due diligence in collecting a loan.
2010-07-01
... 34 Education 3 2010-07-01 2010-07-01 false Due diligence in collecting a loan. 682.507 Section 682... Student Loan Programs § 682.507 Due diligence in collecting a loan. (a) General. (1) Except as provided in paragraph (a)(4) of this section, a lender shall exercise due diligence in the collection of a loan with...
-
7 CFR 1735.31 - RUS cost-of-money and RTB loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false RUS cost-of-money and RTB loans. 1735.31 Section 1735... Types of Loans § 1735.31 RUS cost-of-money and RTB loans. (a) RUS makes cost-of-money loans, under... qualify for concurrent RUS cost-of-money and RTB loans on or after November 1, 1993, a borrower must meet...
-
76 FR 20459 - Savings and Loan Holding Company Application
2011-04-12
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... concerning the following information collection. Title of Proposal: Savings and Loan Holding Company... officer of a savings and loan holding company, or any individual who owns, controls, or holds with power...
-
78 FR 48135 - Information Collection; Guaranteed Farm Loan Program
2013-08-07
... Information Collection; Guaranteed Farm Loan Program AGENCY: Farm Service Agency, USDA. ACTION: Notice... revision of a currently approved information collection associated with the Guaranteed Farm Loan Program. This information collection is used to make and service loans guaranteed by FSA to eligible farmers and...
-
Learn about the Privacy Act of 1974, the Electronic Government Act of 2002, the Federal Information Security Management Act, and other information about the Environmental Protection Agency maintains its records.
-
29 CFR 4043.34 - Loan default.
2010-07-01
... 29 Labor 9 2010-07-01 2010-07-01 false Loan default. 4043.34 Section 4043.34 Labor Regulations... CERTAIN OTHER NOTIFICATION REQUIREMENTS Post-Event Notice of Reportable Events § 4043.34 Loan default. (a) Reportable event. A reportable event occurs for a plan whenever there is a default by a member of the plan's...
-
76 FR 35085 - Savings and Loan Holding Company Application
2011-06-15
... DEPARTMENT OF THE TREASURY Office of Thrift Supervision Savings and Loan Holding Company... Proposal: Savings Loan Holding Company Application. OMB Number: 1550-0015. Form Numbers: H-(e). Description... that no company, or any director or officer of a savings and loan holding company, or any individual...
-
13 CFR 120.881 - Ineligible Projects for 504 loans.
2010-01-01
... financing real or personal property located outside the United States or its possessions). ... Development Company Loan Program (504) Loan-Making Policies Specific to 504 Loans § 120.881 Ineligible... A of this part, the following Projects are ineligible for 504 financing: (a) Relocation of any of...
-
13 CFR 120.612 - Loans eligible to back Certificates.
2010-01-01
... 13 Business Credit and Assistance 1 2010-01-01 2010-01-01 false Loans eligible to back Certificates. 120.612 Section 120.612 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION BUSINESS LOANS Secondary Market Certificates § 120.612 Loans eligible to back Certificates. (a) Pool Certificates...
-
2013-03-11
... for an MSP because OPM can treat a church plan as equivalent to an issuer under the Church Parity and Entanglement Protections Act, Public Law 106-244 (``Parity Act''). The commenter recommended that OPM could..., national origin, disability, age, sex, gender identity, or sexual orientation. We sought comment on any...
-
Shopping Center Financing: Pricing Loan Default Risk
Peter Chinloy; James Musumeci
1994-01-01
The financing structure of a shopping center is decomposed into an income security and two put options. These put options are respectively held by the borrower against the lender for default, and by the lender against an insurer or reinsurer. The prices of the put option depend on the loan-to-value ration of the loan and on the risk of the investment. The interest rate charged on the loan is the sum of four components: a riskless rate, lender production costs, and the net price of the put opt...
-
34 CFR 682.506 - Limitations on maximum loan amounts.
2010-07-01
... loan is intended less— (i) The student's estimated financial assistance; and (ii) The student's.... (b) The Secretary does not guarantee a Federal Consolidation loan in an amount greater than that required to discharge loans eligible for consolidation under § 682.100(a)(4). (Authority: 20 U.S.C. 1075...
-
76 FR 31217 - Single Family Housing Guaranteed Loan Program
2011-05-31
... Farm Service Agency 7 CFR Part 1980 RIN 0575-AC83 Single Family Housing Guaranteed Loan Program... the Rural Housing Service (RHS) Section 502 Single Family Housing Guaranteed Loan Program (SFHGLP) by eliminating the lender's published Department of Veterans Affairs (VA) rate for first mortgage loans with no...
-
12 CFR 226.48 - Limitations on private education loans.
2010-01-01
... identified with a covered educational institution, in the marketing of private education loans in a way that implies that the covered education institution endorses the creditor's loans. (2) A creditor's marketing... regulation, paragraph (a)(1) of this section does not apply if the private education loan marketing includes...
-
7 CFR 1421.105 - Farm-stored marketing assistance loans.
2010-01-01
... quantity of the commodity is not eligible to be collateral for a marketing assistance loan unless the... storage of the marketing assistance loan collateral. (1) In such cases, the producer is not required to... producer intends to move marketing assistance loan collateral from a designated structure to another...
-
Neuro-Based Artificial Intelligence Model for Loan Decisions
Shorouq F. Eletter; Saad G. Yaseen; Ghaleb A. Elrefae
2010-01-01
Problem statement: Despite the increase in consumer loans defaults and competition in the banking market, most of the Jordanian commercial banks are reluctant to use artificial intelligence software systems for supporting loan decisions. Approach: This study developed a proposed model that identifies artificial neural network as an enabling tool for evaluating credit applications to support loan decisions in the Jordanian Commercial banks. A multi-layer feed-forward neural network with backpr...
-
Stasi, Alessandro
2017-01-01
The National Legislative Assembly of Thailand has enacted on February 19, 2015 the Protection for Children Born through Assisted Reproductive Technologies Act (ART Act). Its primary objective aims at protecting children born through assisted reproductive technologies and providing the legal procedures that the intended parents must follow. The focus of this article is to discuss the ongoing issues involving assisted reproduction in Thailand. After reviewing the past legal framework surrounding surrogate motherhood and the downsides of the assisted reproductive technology market in Thailand, the article will discuss the new ART Act and its regulatory framework. It will conclude that although the new law contains some flaws and limitations, it has so far been successful in tackling surrogacy trafficking and preventing reproductive scandals from occurring again.
-
The British Nuclear Fuels Limited (Payment and Loan Limit) Order 1976 No.1298
International Nuclear Information System (INIS)
1976-01-01
Sections 11(4) and 12(1) of the Atomic Energy Authority Act 1971 authorise the Secretary of State for Energy (with the consent of the Treasury) to subscribe for shares in British Nuclear Fuels Limited and (with the approval of the Treasury) to make loans to the Company. Section 13 of the Act imposes an overall limit on the total amounts which may be paid or lent to that Company by the Secretary of State or by the United Kingdom Atomic Energy Authority, or both collectively, of Pound 50 million, which may be increased to such greater sum not exceeding Pound 75 million as may be specified by the Secretary of State by order. This Order increases the limit to Pound 75 million. (G.B.) [fr
-
2013-12-23
... 20, 2014. Communications may be addressed to Federal Housing Finance Agency, (OPAR), [email protected] . Communications to FHFA may be made public and posted without change on the FHFA Web site at... 2011 loan limit reduction was substantively smaller. BILLING CODE 8070-01-P [[Page 77455
-
7 CFR 1427.174 - Maturity of seed cotton loans.
2010-01-01
... 7 Agriculture 10 2010-01-01 2010-01-01 false Maturity of seed cotton loans. 1427.174 Section 1427.174 Agriculture Regulations of the Department of Agriculture (Continued) COMMODITY CREDIT CORPORATION... Maturity of seed cotton loans. Seed cotton loans mature on demand by CCC but no later than May 31 following...
-
Bank loan portfolios and the Canadian monetary transmission mechanism
den Haan, W.J.; Sumner, S.W.; Yamashiro, G.M.
2009-01-01
Following a monetary tightening, bank loans to consumers decrease. This is true for both mortgage and non-mortgage loans, and it is true for a tightening by the Bank of Canada that is, and is not, a response to a tightening by the Federal Reserve System. In contrast, business loans increase
-
Energy Technology Data Exchange (ETDEWEB)
Thompson, Peter; Borgeson, Merrian; Kramer, Chris; Zimring, Mark; Goldman, Charles
2014-05-30
Under the Clean Energy Works (CEW) program, Craft3 developed a loan product that widened access to financing for homeowners, offered long term funding, and collected repayments through the customer?s utility bill. The program?s success led Craft3 to pursue the sale of the loan portfolio to both mitigate its own risks and replenish funds for lending. This sale breaks new ground for energy efficiency finance and is notable as it was completed even with many novel program design elements. It replenished Craft3?s program capital and uncovered some valuable lessons that may facilitate future transactions. However, the lack of data history and the unproven nature of the loan portfolio meant that Craft3 had to limit the risk of losses to Self-Help, the purchaser of the portfolio. It remains to be seen whether this experience will pave the way for more sales of on-bill energy efficiency loan portfolios. This case study illustrates how certain program design decisions can sometimes both facilitate programmatic objectives and possibly present challenges for the sale of a portfolio of energy efficiency loans.
-
2010-04-01
... 25 Indians 1 2010-04-01 2010-04-01 false What does the Indian Child Protection and Family Violence... GOVERNMENT INDIAN CHILD PROTECTION AND FAMILY VIOLENCE PREVENTION Minimum Standards of Character and Suitability for Employment § 63.13 What does the Indian Child Protection and Family Violence Prevention Act...
-
7 CFR 772.7 - Leasing minor program loan security.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Leasing minor program loan security. 772.7 Section 772..., DEPARTMENT OF AGRICULTURE SPECIAL PROGRAMS SERVICING MINOR PROGRAM LOANS § 772.7 Leasing minor program loan security. (a) Eligibility. The Agency may consent to the borrower leasing all or a portion of security...
-
78 FR 13405 - Patient Protection and Affordable Care Act; Health Insurance Market Rules; Rate Review
2013-02-27
... Parts 144, 147, 150, et al. Patient Protection and Affordable Care Act; Health Insurance Market Rules... Insurance Market Rules; Rate Review AGENCY: Department of Health and Human Services. ACTION: Final rule. SUMMARY: This final rule implements provisions related to fair health insurance premiums, guaranteed...
-
Credit Risk Management - Loan Approval Process
Directory of Open Access Journals (Sweden)
Lulzim Rashiti
2016-03-01
Full Text Available The aim of this study is on understanding the international regulations issued by Basel I, Basel II and Basel III to best supervise and manage credit risk management policies. Part of paper will focus on the description and impacts of the regulations and the pivotal importance they play in providing a sound banking system. Credit risk represents another important element that will be analysed considering that it lays the foundation during the loan consideration and approval process. The paper will also explain in detail procedures and responsibilities shared along the process of loan acceptance by a banker. To sum up, the overall process from application to loan approval or denial will be explained pointing out the implications that are faced along the way
-
The new Federal Act for the protection against nuisances (BImSchV)
International Nuclear Information System (INIS)
Froeba, K.; Thomas, L.
1977-01-01
Text of the decree with introduction and comprehensive explanations. Furnaces (1st decree of BImSchV); Chemical purification installations (2nd decree of BImSchV); sulfur content of light fuel oil and diesel oil (3rd decree of BImSchV); installations subject to licensing (4th decree of BImSchV); persons authorized with the protection against nuisances (5th decree of BImSchV); know-how and reliability of these persons (6th decree of BImSchV); ejection limitation for wood dust (7th decree of BImSchV); limitation of noise made by lawn mowing machines (8th decree of BImSchV); principles of the licensing procedure (9th decree of BImSchV). Text of the Federal Act for the Protection Against Nuisances. (orig.) [de
-
7 CFR 761.209 - Loan funds for beginning farmers.
2010-01-01
... 7 Agriculture 7 2010-01-01 2010-01-01 false Loan funds for beginning farmers. 761.209 Section 761... Funds to State Offices § 761.209 Loan funds for beginning farmers. Each fiscal year, the Agency reserves a portion of direct and guaranteed FO and OL loan funds for beginning farmers in accordance with...
-
26 CFR 1.141-5 - Private loan financing test.
2010-04-01
... 26 Internal Revenue 2 2010-04-01 2010-04-01 false Private loan financing test. 1.141-5 Section 1... loan financing test. (a) In general. Bonds of an issue are private activity bonds if more than the... determining whether the private loan financing test is met. In determining whether the proceeds of an issue...
-
福田, 慎一; 鯉渕, 賢
2006-01-01
In this paper, we investigate who bears the burden when writing off bad loans in Japan. Traditionally, Japanese main banks bore large burdens in saving their customers. We still find that some main banks bear a large burden in saving their customers. However, in most cases, main banks became very reluctant to bear large burdens when bailing out their customers. In the transition from the bank-based system to a market-based system, traditional implicit rules are collapsing dramatically. We sug...
-
Rules versus Discretion in Loan Rate Setting
Cerqueiro, G.M.; Degryse, H.A.; Ongena, S.
2007-01-01
We propose a heteroscedastic regression model to identify the determinants of the dispersion in interest rates on loans granted to small and medium sized enterprises. We interpret unexplained deviations as evidence of the banks’ discretionary use of market power in the loan rate setting process.
-
25 CFR 101.2 - Kinds of loans.
2010-04-01
... associations, corporations and partnerships, to finance economic enterprises operated for profit, the operation... training programs. Loans may also be made by the United States to tribes for loaning to or investing in... thereof, corporations and partnerships, to finance economic enterprises operated for profit, the operation...
-
A New Paradigm in Mortgage Loan Advice
DEFF Research Database (Denmark)
Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat
2013-01-01
The Danish mortgage market has undergone considerable changes during the last 15 years. New and more complex variations of loan products have been introduced. Nevertheless, mortgage loan advice has remained, by large, unchanged. This paper addresses a study where a number of new refinancing rules...
-
Touche Ross and Co., Washington, DC.
Insurance premiums being charged to borrowers under the Guaranteed Student Loan (GSL) program were studied to determine if the rate exceeded the rate necessary to protect the reserves of the insurer. Attention was directed to whether historical changes in the GSL program have affected insurance premiums. Guaranty agency's sources and uses of funds…
-
[A study on English loan words in French plastic surgery].
Hansson, E; Tegelberg, E
2014-10-01
The French language is less and less used as an international scientific language and many French researchers publish their work in English. Nowadays, Annales de Chirurgie Plastique Esthétique is the only international plastic surgical journal published completely in French. The use of English loan words in French plastic surgery has never been studied. The aim of this study was to describe the frequency and types of English loan words in French plastic surgery. A corpus consisting of all the articles in a number of Annales de Chirurgie Plastique Esthethique, chosen by default, was created. The frequency of English loan words was calculated and the types of words were analysed. The corpus contains 367 (0.8%) English loan words. Most of them are non-integrated loan words and calques. The majority of the plastic surgical loan words describe surgical techniques. The French plastic surgical language seems to be influenced by English. The usage of loan words does not always follow the recommendations and the usage is sometimes ambiguous. Copyright © 2014 Elsevier Masson SAS. All rights reserved.
-
Managing Bad Loans of Domestic Banks under Modern Economic Conditions
Directory of Open Access Journals (Sweden)
Bolhar Tetyana M.
2014-01-01
Full Text Available The article considers main methods of management of bad bank loans under modern economic conditions, conducts analysis of internal and external banking methods used by Ukrainian banks, and specifies and identifies their advantages and shortcomings. In the result of the study the article analyses in detail the use of the methods of rehabilitation and liquidation of bad loans. It considers organisation of internal and external banking methods of liquidation of bad loans, considers mechanism of their conduct and identifies advantages and shortcomings of their application both for a bank and a borrower. Prospect of further studies in this direction is improvement of methods of assessment of bad loans, in particular, development of methodological approaches to identification of assessment of profitability of bad loans as an important element of the system of management of bad loans of a bank.
-
The Effectiveness of Corporate Boards: Evidence from Bank Loan Contracting
Francis, Bill; Hasan, Iftekhar; Koetter, Michael; Wu, Qiang
2009-01-01
This paper investigates the role of corporate boards in bank loan contracting. We find that when corporate boards are more independent, both price and non-price loan terms (e.g., interest rates, collateral, covenants and performance pricing) are more favorable and syndicated loans comprise more lenders. In addition, board size, board diversity, audit committee structure and other director characteristics also influence bank loan price. However they do not consistently affect all non-price loa...
-
12 CFR 723.17 - Are there any exceptions to the aggregate loan limit?
2010-01-01
.... Loans that are excepted from the definition of member business loans are not counted for the purpose of... automobile loans, 20% credit card loans, and 13% total other real estate loans, then the credit union meets...
-
Directory of Open Access Journals (Sweden)
Alessandro Stasi
2017-12-01
Full Text Available The National Legislative Assembly of Thailand has enacted on February 19, 2015 the Protection for Children Born through Assisted Reproductive Technologies Act (ART Act. Its primary objective aims at protecting children born through assisted reproductive technologies and providing the legal procedures that the intended parents must follow. The focus of this article is to discuss the ongoing issues involving assisted reproduction in Thailand. After reviewing the past legal framework surrounding surrogate motherhood and the downsides of the assisted reproductive technology market in Thailand, the article will discuss the new ART Act and its regulatory framework. It will conclude that although the new law contains some flaws and limitations, it has so far been successful in tackling surrogacy trafficking and preventing reproductive scandals from occurring again.
-
2009-04-06
The Ryan Haight Online Pharmacy Consumer Protection Act, which was enacted on October 15, 2008, amended the Controlled Substances Act and Controlled Substances Import and Export Act by adding several new provisions to prevent the illegal distribution and dispensing of controlled substances by means of the Internet. DEA is hereby issuing an interim rule to amend its regulations to implement the legislation and is requesting comments on the interim rule.
-
2010-10-01
... Protection and Family Violence Prevention § 136.404 What does the Indian Child Protection and Family Violence... 42 Public Health 1 2010-10-01 2010-10-01 false What does the Indian Child Protection and Family Violence Prevention Act require of the IHS and Indian Tribes or Tribal organizations receiving funds under...
-
Awareness of Consumer Protection Act among Doctors in Udaipur City, India.
Singh, K; Shetty, S; Bhat, N; Sharda, A; Agrawal, A; Chaudhary, H
2010-01-01
To compare the awareness of provisions of consumer protection act among dental and medical professionals in Udaipur city, Rajasthan, India. In a cross sectional study, a total of 448 professionals (253 males, 195 females) belonging to dental (222) and medical (226) categories were surveyed using a self administered structured questionnaire. The questionnaire comprised of 22 questions about the awareness of consumer protection art (CPA) and whether these professionals were following the recommendations of CPA. The student's t-test, ANOVA test, and Scheffe's test were used as tests of significance. The awareness scores were significantly higher for medical professionals compared with those of dental professionals. Similarly, postgraduates showed more awareness in both the professions and it was found that private practitioners significantly have more awareness than the academic sector. Though medical professionals have more awareness of CPA compared to dental professionals, considering the present scenario, better knowledge of CPA is necessary for both professionals in order to be on the safer side.
-
7 CFR 1610.10 - Determination of interest rate on Bank loans.
2010-01-01
... 7 Agriculture 11 2010-01-01 2010-01-01 false Determination of interest rate on Bank loans. 1610.10..., DEPARTMENT OF AGRICULTURE LOAN POLICIES § 1610.10 Determination of interest rate on Bank loans. (a) All loan..., shall bear interest at the rate determined as established below, but not less than 5 percent per annum...
-
12 CFR 221.112 - Loans by bank in capacity as trustee.
2010-01-01
... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Loans by bank in capacity as trustee. 221.112... CARRYING MARGIN STOCK (REGULATION U) Interpretations § 221.112 Loans by bank in capacity as trustee. (a... been pledged as collateral for loans. Loans are not made, under the plan, from bank funds, and...
-
PROPOSED CHANGES TO TAX LAW IN SOUTH AFRICA: INTEREST-FREE LOANS AS A TOOLIN ESTATE PLANNING?
Directory of Open Access Journals (Sweden)
M. J. Preston
2016-07-01
Full Text Available Estate planning often involves the sale of an asset by an estate planner (the ownerof the asset to aninter vivostrust, as a related family trust. It also often happensthat the buying trust does not have the necessary funds to pay the purchase price.In this situation it is common practice to finance the sale by means of an interest-free loan agreement. The buying trust becomes the owner of the property, whilethe purchase price remains due and payable to the seller, without the loan amountaccruing interest. The result achieved by the estate planner is that potential furthergrowth of the asset soldis shifted to thetrust, resulting in an estate duty benefit forthe seller. The debate surrounding the use of the interest-free loan as an estateplanning tool has been polarised for years with most researchers concluding thatthe interest-free loan remains a useful estate planning tool. Doubts regarding theuse of such agreements and the trust for estate planning have recently neemrenewed. Since 2013, several statements by the different Ministers of Finance, intheir respective budget speeches, indicated that governmentwill propose taxavoidance legislation that will directly impact the taxation of trusts and connectedparties to a trust. This study will focus on the effect which the recent proposedchanges to the Income Tax Act (58 of 1962 might have on the use of interest-freeloans as an estate planning tool. The study is qualitative in nature with documentanalysis at its core. The main aim is to provide more clarity to estate planners inthis regard. The research concludes that the interest-free loan still has someadvantage as an estate planning tool, but if estate planning is done with only taxplanning and tax savings as motivation, that advantagemay disappear.
-
Directory of Open Access Journals (Sweden)
Dina Bakti Pertiwi
2015-01-01
Full Text Available One of the impacts of IFRS convergence is the tendency to leave historical cost to the fair value primarily for financial instruments, one of which is bank loans. Therefore, the benefit of the use of historical cost and fair value needs to be examined. This study aims to evaluate the relationship of the difference between loan book value and fair value, book value per share, earnings per share and the company size to the stock price of banks that use accounting standard that has been converged to IFRS. The samples used are banks listed in Indonesia Stock Exchange during the period of 2010-2013. The relationship between the difference loans book value and fair value, book value per share, earnings per share and the size with the stock price were analyzed using multiple linear regression. The results of this study indicate that the difference between loans book value and fair value, book value per share, earnings per share and the size can be used to predict the stock price of bank. Thus, the difference between loan book value and fair value of financial instruments have a relevant value.
-
42 CFR 57.1514 - Loan guarantee and interest subsidy agreements.
2010-10-01
... GRANTS GRANTS FOR CONSTRUCTION OF TEACHING FACILITIES, EDUCATIONAL IMPROVEMENTS, SCHOLARSHIPS AND STUDENT LOANS Loan Guarantees and Interest Subsidies to Assist in Construction of Teaching Facilities for Health Profession Personnel § 57.1514 Loan guarantee and interest subsidy agreements. For each application for a...
-
7 CFR 4279.113 - Eligible loan purposes.
2010-01-01
..., whichever is less. (i) Purchase of membership, stocks, bonds, or debentures necessary to obtain a loan from... to obtain a loan. (k) Aquaculture, including conservation, development, and utilization of water for... projects that produce biomass fuel or biogas as an output must have completed two operating cycles at...
-
Delay and probability discounting among payday and title loan recipients.
Mahoney, Colin T; Lawyer, Steven R
2016-04-01
Payday and title loans are short-term loans associated with significant economic impact. Behavioral theories of impulsive choice may provide insight into behavioral processes that underlie the propensity to take out payday and title loans. Adults between the ages of 18 and 30 recruited from the community completed delay and probability discounting tasks for hypothetical money as well as measures of substance use. Patterns of discounting were characterized using a hyperbolic decay model and area under the curve. Participants who took out a payday and/or title loan in the past (n=41) exhibited more impulsive choice patterns on the delay discounting task than did those who did not (n=255). Substance use mediated this relationship between payday and title loan retention and delay discounting. These findings suggest potentially important relationships between payday/title loan borrowing, substance use, and delay discounting. Copyright © 2016 Elsevier B.V. All rights reserved.
-
2013-12-17
... DEPARTMENT OF HEALTH AND HUMAN SERVICES 45 CFR Parts 147, 155 and 156 [CMS-9945-IFC] RIN 0938-AS17 Patient Protection and Affordable Care Act; Maximizing January 1, 2014 Coverage Opportunities AGENCY... meeting the size standards of the Small Business Administration (SBA); (2) a not-for-profit organization...
-
77 FR 72960 - William D. Ford Federal Direct Loan Program
2012-12-07
... Federal Direct Loan Program AGENCY: Office of Postsecondary Education, Department of Education. ACTION... document to establish the date for the early implementation of William D. Ford Federal Direct Loan (Direct Loan) program regulations that establish a new income-contingent repayment plan based on the President...
-
2013-07-29
..., et al. Student Assistance General Provisions, Federal Perkins Loan Program, Federal Family Education... General Provisions, Federal Perkins Loan Program, Federal Family Education Loan Program, and William D... General Provisions, Federal Perkins Loan (Perkins Loan) Program, Federal Family Education Loan (FFEL...
-
7 CFR 3575.83 - Protective advances.
2010-01-01
... only be added to the loan account for purposes of requirements to preserve the value of the security..., advances made for taxes, annual assessments, ground rent, hazard and flood insurance premiums affecting the... same borrower. Protective advances must be reasonable when associated with the value of the collateral...
-
7 CFR 1779.83 - Protective advances.
2010-01-01
.... Protective advances can only be added to the loan account for purposes of requirements to preserve the value..., but are not limited to, advances made for taxes, annual assessments, ground rent, hazard and flood... associated with the value of the collateral being preserved. (b) Preserving collateral. When considering...
-
7 CFR 3565.204 - Maximum loan amount.
2010-01-01
... project. The lender shall recommend to the Agency an adjustment in the loan amount if appropriate as a result of this review. (2) Where the project financing combines a guaranteed loan with Low-Income Housing Tax Credits or other Federal assistance, the project must conform to the policies regarding necessary...
-
Logit Analysis for Profit Maximizing Loan Classification
Watt, David L.; Mortensen, Timothy L.; Leistritz, F. Larry
1988-01-01
Lending criteria and loan classification methods are developed. Rating system breaking points are analyzed to present a method to maximize loan revenues. Financial characteristics of farmers are used as determinants of delinquency in a multivariate logistic model. Results indicate that debt-to-asset and operating ration are most indicative of default.
-
Female entrepreneurs in trouble: do their bad loans last longer?
Juri Marcucci; Paolo Emilio Mistrulli
2013-01-01
We investigate the duration of bad loans for a unique data set of sole proprietorships in Italy, finding that bad loans for female firms last longer. However, this result is mainly due to the fact that loans granted to female firms are less frequently written off than those to male ones, suggesting that for banks female firms might be more creditworthy than male firms. These findings are robust to censoring, alternative specifications of the distribution of bad loan duration and other bank-sp...
-
Promoting renewables through soft loans
International Nuclear Information System (INIS)
Marcks, C.
1999-01-01
The DtA, founded in 1950s, is a federal institution owned by the German government. It assists the government to implement its economic, environmental and social policy. Financial assistance is being granted mainly through soft loans. Such loans are a flexible instrument, permitting to partially correct prices without severely distorting market forces. They assure total financing while spreading the subsidy over the entire period of the engagement. This avoids windfall opportunities often related to direct subsidies. Investors, therefore, have an intrinsic motivation to only submit sound and profitable projects. (orig./RHM)
-
78 FR 48789 - Loan Guaranty: Percentage to Determine Net Value
2013-08-09
... DEPARTMENT OF VETERANS AFFAIRS Loan Guaranty: Percentage to Determine Net Value AGENCY: Department... mortgage holders in the Department of Veterans Affairs (VA) loan guaranty program concerning the percentage to be used in calculating the purchase price of a property that secured a terminated loan. The new...
-
26 CFR 1.7872-5 - Exempted loans.
2010-04-01
... Federal tax liability of the borrower or the lender. (2) No exemption for tax avoidance loans. If a... principal purposes of so structuring the transaction is the avoidance of Federal tax, then the transaction will be recharacterized as a tax avoidance loan as defined in section 7872(c)(1)(D). (b) List of...
-
Litigation against dermatosurgeons and cosmetologists and consumer protection act
Directory of Open Access Journals (Sweden)
Neerja Puri
2013-01-01
Full Text Available The concept of beauty has acquired new dimensions due to the increasing awareness in general public about the aesthetic procedures. The problems between the patient and the cosmetologists arise when the patients expectations become very high and unrealistic. The classical concept of doctor – patient relationship born in the golden days of family physicians has undergone drastic change due to dramatic advancement in medical technology, availability of sophisticated imaging system, high tech electronics and preponderance of new diseases. However, the accountability of the doctors under the law of professional negligence has emerged as a debatable issue among the medical fraternity all over the country after the enactment of the consumer protection act, 1986, which has not only changed the law of medical negligence1, but created an inexpensive and speedy remedy against medical malpractice.
-
12 CFR 211.45 - Accounting for fees on international loans.
2010-01-01
... accordance with generally accepted accounting principles. [Reg. K, 68 FR 1159, Jan. 9, 2003] Interpretations ... 12 Banks and Banking 2 2010-01-01 2010-01-01 false Accounting for fees on international loans. 211... Accounting for fees on international loans. (a) Restrictions on fees for restructured international loans. No...