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Ratio of gross charged off loans to average balances, where gross charge-offs represent single-payment loan losses and average balance is the average of beginning and end of year single-payment loan receivables.
Many banks will try to set the loan up as "joint and several," which means they'll ask each of you to stand behind the full amount of the loan.
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Two of the Bureau's other advisory bodies also discussed the proposals outlined in the Small Business Review Panel Outline: The Community Bank Advisory Council held two subcommittee discussions in March 2017 and November 2017, and the Credit Union Advisory Council conducted one Council discussion in March 2017 and held two subcommittee discussions in April 2017 and October 2017.
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