source:
  type: regulation
  id: occ-12cfr-34.62
  authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62 — Real estate lending standards
  description: '12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC), §34.62 Real estate lending standards.
    Captured section-complete (all subsections verbatim).

    '
obligations:
- id: occ-12cfr-34.62-a
  canonical_id: occ-12cfr-34.62-a
  section: 12 CFR §34.62(a)
  description: 'Real estate lending standards — (a): (a) Each national bank shall adopt and maintain written policies
    that establish appropriate limits and standards for extensions of credit that are secured by liens on or interests
    in real estate, or that are made for the purpose of financing permanent improvements to real estate.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (a) Each national bank shall adopt and maintain written policies that establish appropriate
      limits and standards for extensions of credit that are secured by liens on or interests in real estate, or
      that are made for the purpose of financing permanent improvements to real estate.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (a) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.62-b
  canonical_id: occ-12cfr-34.62-b
  section: 12 CFR §34.62(b)
  description: 'Real estate lending standards — (b): (b)(1) Real estate lending policies adopted pursuant to this
    section must:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: '(b)(1) Real estate lending policies adopted pursuant to this section must:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (b) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.62-i
  canonical_id: occ-12cfr-34.62-i
  section: 12 CFR §34.62(i)
  description: 'Real estate lending standards — (i): (i) Be consistent with safe and sound banking practices; (ii)
    Be appropriate to the size of the institution and the nature and scope of its operations; and (iii) Be reviewed
    and approved by the bank''s board of directors at least annually. (2) The lending policies must establish:'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: '(i) Be consistent with safe and sound banking practices; (ii) Be appropriate to the size of
      the institution and the nature and scope of its operations; and (iii) Be reviewed and approved by the bank''s
      board of directors at least annually. (2) The lending policies must establish:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (i) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.62-i
  canonical_id: occ-12cfr-34.62-i
  section: 12 CFR §34.62(i)
  description: 'Real estate lending standards — (i): (i) Loan portfolio diversification standards; (ii) Prudent
    underwriting standards, including loan-to-value limits, that are clear and measurable; (iii) Loan administration
    procedures for the bank''s real estate portfolio; and (iv) Documentation, approval, and reporting requirements
    to monitor complia…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (i) Loan portfolio diversification standards; (ii) Prudent underwriting standards, including
      loan-to-value limits, that are clear and measurable; (iii) Loan administration procedures for the bank's real
      estate portfolio; and (iv) Documentation, approval, and reporting requirements to monitor compliance with
      the bank's real estate lending policies.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (i) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.62-c
  canonical_id: occ-12cfr-34.62-c
  section: 12 CFR §34.62(c)
  description: 'Real estate lending standards — (c): (c) Each national bank must monitor conditions in the real
    estate market in its lending area to ensure that its real estate lending policies continue to be appropriate
    for current market conditions.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (c) Each national bank must monitor conditions in the real estate market in its lending area
      to ensure that its real estate lending policies continue to be appropriate for current market conditions.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (c) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
- id: occ-12cfr-34.62-d
  canonical_id: occ-12cfr-34.62-d
  section: 12 CFR §34.62(d)
  description: 'Real estate lending standards — (d): (d) The real estate lending policies adopted pursuant to this
    section should reflect consideration of the Interagency Guidelines for Real Estate Lending Policies established
    by the Federal bank and thrift supervisory agencies.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 12 CFR Part 34 — Real Estate Lending, Appraisals & AVMs (OCC) § 34.62
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-I/part-34
    snapshot_id: b9176c4f9bb030c2
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:c27331ba5c7759b1bc066ef9a0c6d88aac17a04f5ea45ac55bff64410cc28fef
    paragraph_quote: (d) The real estate lending policies adopted pursuant to this section should reflect consideration
      of the Interagency Guidelines for Real Estate Lending Policies established by the Federal bank and thrift
      supervisory agencies.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §34.62 subsection (d) from snapshot b9176c4f9bb030c2;
      substring-verified.
  judgment: false
