High Volatility Commercial Real Estate - Lending Regulations
November 2016
High Volatility Commercial Real Estate - Lending Regulations
Co-sponsored by the Financial Institutions Subsection of the CBA Business Law Section
Program Description:
Spinning out of the 2007-2008 financial crisis is the super-capital charge for High Volatility Commercial Real Estate (HVCRE) loans. As of January 1, 2015, those loans carry a capital charge that is 50 percent higher than the capital charge for other commercial real estate loans. The requirements and applicability of the new HVCRE rules have drawn the attention of your banker and developer clients as well as regulators.
Attend this program and gain insights on (1) new U.S. Basel III Capital Rules (Rules); (2) how HVCRE loans are defined and subject to the new Rules; and (3) the impact of the Rules on community banks.
Don’t Forget: The Financial Institutions Luncheon Series is also available via live Internet webcast, direct to your desktop!
Faculty:
Susan M. Sturm, Chief Financial Officer and Vice Chairman of the Board
Sturm Financial Group
Vice Chairman and Chief Financial Officer
ANB Bank
Denver, CO
As the daughter of a Foreign Service Officer, Susan’s childhood took her many places both overseas and around the US. She graduated magna cum laude from Princeton University with a degree in Economics, accepted an appointment to the U.S. Senate as a Congressional Fellow, and later studied economics at Oxford University. Sue worked as an Intelligence Officer for the Central Intelligence Agency before joining the private sector with the international management consulting firm of Booz, Allen & Hamilton. Currently, Sue is Vice-Chair and Chief Financial Officer of the Sturm Financial Group, one of the largest independent banking groups in the Rocky Mountains, with 31 locations and over $2.5 billion in assets. Sue and her husband Donald direct the philanthropy of the Sturm Family Foundation. Don and Sue share a belief in the importance of giving back to the community and are each involved in several volunteer organizations. They have invested approximately $30 million in University of Denver’s Sturm Hall, the Sturm College of Law, and numerous other endeavors to enhance the quality of teaching and learning at the University. They have funded efforts to expand educational opportunities for low-income children including the start-up of approximately a dozen charter schools across Colorado and Wyoming. In the area of affordable housing, they have provided capital for the development of revolving loan funds to assist low-income households with children to achieve the American dream of home ownership. In addition, they have funded a wide range of civic and cultural activities including public radio and television, the Denver Art Museum, Bravo! Vail Valley, and many others.
Tom Ashley, Regional President, Southern Colorado
ANB Bank
Colorado Springs, CO
Tom has more than 16 years' of banking experience and oversees all bank operations in his region, including credit, cash management and retail banking. ANB Bank is headquartered in Denver, CO, and has 31 banking centers serving customers in Colorado, Wyoming and Kansas City. It ranks in the top 6 percent of banks nationwide by size with over $2.5 billion in assets. Before joining ANB Bank, Mr. Ashley was a top-performing broker associate for a real estate group in Aspen, CO. Prior to that he served as the executive vice president for another large Colorado-based community bank, and managed locations in Colorado Springs, the Denver Tech Center and Aspen markets. Tom graduated summa cum laude from Colorado State University, and is a graduate of the University of Wisconsin Graduate School of Banking.
Agenda:
11:30 AM – 12:00 PM
Registration
12:00 PM
CFPB R High Volatility Commercial Real Estate: Lending Regulations
- New U.S. Basel III Rules
- How HVCRE Loans are Defined and Subject to the New Rules
- Community Bank Impact
1:00 PM
Adjourn
Location Information
CLECI Large Classroom
1900 Grant Street, Suite 300
Denver, CO 80203
Get directions
1900 Grant Street, Suite 300
Denver, CO 80203
Registration Fees
| Non Member | $79.00 |
| CBA Member | $59.00 |
| New Lawyer Edge Member | $29.50 |
| CBA Financial Institutions Subsection Member | $29.00 |
| CBA Business Law Section Member | $29.00 |
| CLEACCESSPASS--ELITE Pass Holder | $0.00 |
- General Credits: 1.00
- Ethics Credits: 0.00
- EDI Credits:
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Sponsor Information
- Attend and better understand the impact of U.S. Basel III Capital Rules on your financial institution and developer clients as well as regulators
- Gain insights at Financial Institutions CLE Luncheon on the super-capital charge for High Volatility Commercial Real Estate (HVCRE) and its applicability, requirements and impact on community banks
- Take an hour and get up to speed on the latest developments and impact of U.S. Basel III Capital Rules