Risk-Based Capital Standards; Concentration of Credit Risk and Risks of Nontraditional Activities — 1994-02-22 [94-3605]

The OCC, the Board, the FDIC and the OTS (collectively ``the agencies'') are issuing this proposed rule to implement the portions of section 305 of the Federal Deposit Insurance Corporation Improvement Act of 1991 (FDICIA) that require the agencies to revise their risk- based capital standards for insured depository institutions to ensure that those standards take adequate account of concentration of credit risk and the risks of nontraditional activities. The intended effect of this proposed rule is to ensure that the agencies take adequate account of concentration of credit risk and the risks of nontraditional activities in assessing an institution's capital adequacy.