12 C.F.R. PART 617--BORROWER RIGHTS
TITLE 12--Banks and Banking
CHAPTER VI--FARM CREDIT ADMINISTRATION
SUBCHAPTER B--FARM CREDIT SYSTEM
PART 617--BORROWER RIGHTS
Subpart A--GENERAL
|
|
| When may electronic communications be used in the borrower rights process?
|
|
|
|
| May borrower rights be waived?
|
|
|
|
| What happens to borrower rights when a loan is sold?
|
|
Subpart B--DISCLOSURE OF EFFECTIVE INTEREST RATES
|
|
| Who must make and who is entitled to receive an effective interest rate disclosure?
|
|
|
|
| When must a qualified lender disclose the effective interest rate to a borrower?
|
|
|
|
| How should a qualified lender disclose the cost of borrower stock or participation certificates?
|
|
|
|
| How should a qualified lender disclose loan origination charges?
|
|
|
|
| How should a qualified lender present the disclosures to a borrower?
|
|
|
|
| How should a qualified lender determine the effective interest rate?
|
|
|
|
| What initial disclosures must a qualified lender make to a borrower?
|
|
|
|
| What subsequent disclosures must a qualified lender make to a borrower?
|
|
Subpart C--DISCLOSURE OF DIFFERENTIAL INTEREST RATES
|
|
| What disclosures must a qualified lender make to a borrower on loans offered with more than one rate of interest?
|
|
Subpart D--ACTIONS ON APPLICATIONS; REVIEW OF CREDIT DECISIONS
|
|
| When acting on a loan application, what are the notice requirements and review rights?
|
|
|
|
| What is a CRC and who are the members?
|
|
|
|
| What is the review process of the CRC?
|
|
|
|
| What records must the qualified lender maintain on behalf of the CRC?
|
|
Subpart E--DISTRESSED LOAN RESTRUCTURING; STATE AGRICULTURAL LOAN MEDIATION PROGRAMS
|
|
| What protections exist for borrowers who meet all loan obligations?
|
|
|
|
| On what policies are loan restructurings based?
|
|
|
|
| When and how does a qualified lender notify a borrower of the right to seek loan restructuring?
|
|
|
|
| How does a qualified lender decide to restructure a loan?
|
|
|
|
| How will a decision on an application for restructuring be issued?
|
|
|
|
| What type of notice should be given to a borrower before foreclosure?
|
|
|
|
| Are institutions required to participate in state agricultural loan mediation programs?
|
|
Subpart F--DISTRESSED LOAN RESTRUCTURING DIRECTIVE
|
|
| What is a directive used for and what may it require?
|
|
|
|
| How will the qualified lender know when FCA is considering issuing a distressed loan restructuring directive?
|
|
|
|
| What should the qualified lender do when it receives notice of a distressed loan restructuring directive?
|
|
|
|
| How does the FCA decide whether to issue a directive?
|
|
|
|
| How does the FCA issue a directive and when will it be effective?
|
|
|
|
| May FCA use other enforcement actions?
|
|
Subpart G--RIGHT OF FIRST REFUSAL
|
|
| What are the definitions used in this subpart?
|
|
|
|
| How should System institutions document whether the borrower had the financial resources to avoid foreclosure?
|
|
|
|
| What should the System institution do when it decides to sell acquired agricultural real estate?
|
|
|
|
| What should the System institution do when it decides to lease acquired agricultural real estate?
|
|
|
|
| What should the System institution do when it decides to sell acquired agricultural real estate at a public auction?
|
|
|
|
| Whom should the System institution notify?
|
|
|
|
| Does this Federal requirement affect any state property laws?
|
|
