Commercial Real Estate Lending

Overview

This booklet addresses the risks inherent in commercial real estate lending, which comprises acquisition, development, and construction financing and the financing of income-producing real estate. The booklet also discusses prudent risk management and regulatory requirements.

Applicability

This booklet applies to the OCC's supervision of national banks and federal savings associations. References to national banks in this booklet also generally apply to federal branches and agencies of foreign banking organizations. Refer to 12 USC 3102(b) and the "Federal Branches and Agencies Supervision" booklet of the Comptroller's Handbook for more information.