{"abstract":"The OCC, Board, FDIC, and OTS (the Agencies), request comment on this proposed guidance entitled, Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices (Guidance). The Agencies have observed that some institutions have high and increasing concentrations of commercial real estate loans on their balance sheets and are concerned that these concentrations may make the institutions more vulnerable to cyclical commercial real estate markets. This proposed Guidance helps identify institutions with commercial real estate loan concentrations that may be subject to greater supervisory scrutiny. As provided in the proposed Guidance, such institutions should have in place risk management practices and capital levels appropriate to the risk associated with these concentrations.","action":"Proposed guidance with request for comment.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"BOARD OF THE GOVERNORS OF THE FEDERAL RESERVE SYSTEM"},{"raw_name":"FEDERAL DEPOSIT INSURANCE CORPORATION","name":"Federal Deposit Insurance Corporation","id":164,"url":"https://www.federalregister.gov/agencies/federal-deposit-insurance-corporation","json_url":"https://www.federalregister.gov/api/v1/agencies/164","parent_id":null,"slug":"federal-deposit-insurance-corporation"},{"raw_name":"Office of Thrift Supervision","name":"Thrift Supervision Office","id":489,"url":"https://www.federalregister.gov/agencies/thrift-supervision-office","json_url":"https://www.federalregister.gov/api/v1/agencies/489","parent_id":497,"slug":"thrift-supervision-office"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2006/01/13/06-340.html","cfr_references":[],"citation":"71 FR 2302","comment_url":null,"comments_close_on":"2006-03-14","correction_of":null,"corrections":[],"dates":"Comments must be submitted on or before March 14, 2006.","disposition_notes":null,"docket_ids":["Docket No. 06-01","Docket No. OP-1248","No. 2006-01"],"dockets":[],"document_number":"06-340","effective_on":null,"end_page":2307,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2006/01/13/06-340.xml","html_url":"https://www.federalregister.gov/documents/2006/01/13/06-340/concentrations-in-commercial-real-estate-lending-sound-risk-management-practices","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/06-340?publication_date=2006-01-13","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2006-01-13/06-340/mods.xml","not_received_for_publication":null,"page_length":6,"page_views":{"count":285,"last_updated":"2026-04-04 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2006-01-13/pdf/06-340.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2006-01-13","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2006/01/13/06-340.txt","regulation_id_number_info":{},"regulation_id_numbers":[],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2011-11-12T18:09:20Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":2302,"subtype":null,"title":"Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices","toc_doc":"Concentrations in Commercial Real Estate Lending, Sound Risk Management Practices","toc_subject":"Reports and guidance documents; availability, etc.:","topics":[],"type":"Notice","volume":71}