The fresh new FDIC can get offer a lender tentative acceptance to utilize the new methodology as FDIC considers they in more detail

Whenever estimating a PD according to standard criteria described above could be unduly advanced or burdensome, a bank that isn’t required to determine PDs to own overseas user money beneath the standards of your own Basel II financing framework may: (1) Eradicate the borrowed funds because the an enthusiastic unscorable personal loan subject to the fresh de minimis approach demonstrated a lot more than; or (2) complete a created consult on FDIC to use a unique strategy, but may perhaps not make use of the methods until approved by the FDIC.