federal_register: 2019-25689

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2019-25689 Federal Interest Rate Authority Proposed Rule The Federal Deposit Insurance Corporation (FDIC) is seeking comment on proposed regulations clarifying the law that governs the interest rates State-chartered banks and insured branches of foreign banks (collectively, State banks) may charge. The proposed regulations would provide that State banks are authorized to charge interest at the rate permitted by the State in which the State bank is located, or one percent in excess of the ninety-day commercial paper rate, whichever is greater. The proposed regulations also would provide that whether interest on a loan is permissible under section 27 of the Federal Deposit Insurance Act would be determined at the time the loan is made, and interest on a loan permissible under section 27 would not be affected by subsequent events, such as a change in State law, a change in the relevant commercial paper rate, or the sale, assignment, or other transfer of the loan. 2019-12-06 2019 12 https://www.federalregister.gov/documents/2019/12/06/2019-25689/federal-interest-rate-authority https://www.govinfo.gov/content/pkg/FR-2019-12-06/pdf/2019-25689.pdf Federal Deposit Insurance Corporation 164 The Federal Deposit Insurance Corporation (FDIC) is seeking comment on proposed regulations clarifying the law that governs the interest rates State-chartered banks and insured branches of foreign banks (collectively, State banks) may charge. The...  

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