Sample records for underwriting systematic risk

  1. 46 CFR 308.8 - War risk insurance underwriting agency agreement.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false War risk insurance underwriting agency agreement. 308.8 Section 308.8 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE General § 308.8 War risk insurance underwriting agency agreement. Standard form MA-355 of...

  2. 46 CFR 308.8 - War risk insurance underwriting agency agreement.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false War risk insurance underwriting agency agreement. 308.8 Section 308.8 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE General § 308.8 War risk insurance underwriting agency agreement. Standard form MA-355...

  3. 46 CFR 308.8 - War risk insurance underwriting agency agreement.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false War risk insurance underwriting agency agreement. 308.8 Section 308.8 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE General § 308.8 War risk insurance underwriting agency agreement. Standard form MA-355 of...

  4. 46 CFR 308.8 - War risk insurance underwriting agency agreement.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false War risk insurance underwriting agency agreement. 308.8 Section 308.8 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE General § 308.8 War risk insurance underwriting agency agreement. Standard form MA-355 of...

  5. 46 CFR 308.8 - War risk insurance underwriting agency agreement.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false War risk insurance underwriting agency agreement. 308.8 Section 308.8 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE General § 308.8 War risk insurance underwriting agency agreement. Standard form MA-355 of...

  6. Structured settlement annuities, part 1: overview and the underwriting process.

    PubMed

    Schmidt, C J; Singer, R B

    2000-01-01

    Structured settlement underwriting is the underwriting of medically impaired lives for the purchase of an annuity to fund the settlement. Other than risk assessment, structured settlement (SS) underwriting has little in common with traditional life insurance underwriting. Most noteworthy of these differences is the relative lack of actuarial data on which to base decisions about mortality and the necessity for prospective thinking about risk assessment. The purpose of this paper is to provide a foundation for understanding the structured settlement business and to contrast the underwriting of structured settlements with that of traditional life insurance. This is the first part of a two-part article on SS annuities. Part 2 deals with the mortality experience in SS annuitants and the life-table methodology used to calculate life expectancy for annuitants at increased mortality risk.

  7. Underwriting: a key to healthy capitation agreements.

    PubMed

    Dameron, T H; Fessler, J C

    1996-09-01

    In some markets, healthcare providers in integrated delivery systems have been assuming full-risk capitated contracts. Some of these contracts have been profitable, but others have produced inconsistent financial results. These results may reflect inadequate underwriting practices. For providers and HMO insurers to establish financially successful capitation agreements, they must develop and audit an underwriting process to evaluate the health risk of the population entering the managed care system.

  8. Predictive medical information and underwriting.

    PubMed

    Dodge, John H

    2007-01-01

    Medical underwriting involves the application of actuarial science by analyzing medical information to predict the future risk of a claim. The objective is that individuals with like risk are treated in a like manner so that the premium paid is proportional to the risk of future claim.

  9. 24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Relating to Housing and Urban Development (Continued) OFFICE OF ASSISTANT SECRETARY FOR COMMUNITY PLANNING... its discretion, accept the underwriting standards of the Financial Institution making a loan to a... acceptable financial risk under HUD's generally applicable loan underwriting standards based on the following...

  10. 46 CFR 249.8 - Limitation on risk.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Limitation on risk. 249.8 Section 249.8 Shipping... OPERATORS APPROVAL OF UNDERWRITERS FOR MARINE HULL INSURANCE § 249.8 Limitation on risk. (a) Underwriters may take a line on any single risk in excess of five percent of its Policyholders' Surplus only with...

  11. 78 FR 75238 - Federal Housing Administration (FHA) Risk Management Initiatives: New Manual Underwriting...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-11

    ...-AJ07 Federal Housing Administration (FHA) Risk Management Initiatives: New Manual Underwriting... the number of claims. FHA can control costs through risk management practices. The lower costs are a... insurance claim rates and risk of loss to FHA. \\1\\ U.S. Department of Housing and Urban Development, Annual...

  12. Risk transfer modeling among hierarchically associated stakeholders in development of space systems

    NASA Astrophysics Data System (ADS)

    Henkle, Thomas Grove, III

    Research develops an empirically derived cardinal model that prescribes handling and transfer of risks between organizations with hierarchical relationships. Descriptions of mission risk events, risk attitudes, and conditions for risk transfer are determined for client and underwriting entities associated with acquisition, production, and deployment of space systems. The hypothesis anticipates that large client organizations should be able to assume larger dollar-value risks of a program in comparison to smaller organizations even though many current risk transfer arrangements via space insurance violate this hypothesis. A literature survey covers conventional and current risk assessment methods, current techniques used in the satellite industry for complex system development, cardinal risk modeling, and relevant aspects of utility theory. Data gathered from open literature on demonstrated launch vehicle and satellite in-orbit reliability, annual space insurance premiums and losses, and ground fatalities and range damage associated with satellite launch activities are presented. Empirically derived models are developed for risk attitudes of space system clients and third-party underwriters associated with satellite system development and deployment. Two application topics for risk transfer are examined: the client-underwriter relationship on assumption or transfer of risks associated with first-year mission success, and statutory risk transfer agreements between space insurance underwriters and the US government to promote growth in both commercial client and underwriting industries. Results indicate that client entities with wealth of at least an order of magnitude above satellite project costs should retain risks to first-year mission success despite present trends. Furthermore, large client entities such as the US government should never pursue risk transfer via insurance under previously demonstrated probabilities of mission success; potential savings may reasonably exceed multiple tens of $millions per space project. Additional results indicate that current US government statutory arrangements on risk sharing with underwriting entities appears reasonable with respect to stated objectives. This research combines aspects of multiple disciplines to include risk management, decision theory, utility theory, and systems architecting. It also demonstrates development of a more general theory on prescribing risk transfer criteria between distinct, but hierarchically associated entities involved in complex system development with applicability to a variety of technical domains.

  13. 24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... its discretion, accept the underwriting standards of the Financial Institution making a loan to a... acceptable financial risk under HUD's generally applicable loan underwriting standards based on the following... pledged as security for the repayment of the loan. (c) The provision of a loan guarantee to a Financial...

  14. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Application for appointment of Cargo Underwriting Agent, Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance General § 308.549 Application for...

  15. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.548 Standard form of underwriting agency agreement for cargo, Form MA-318. This form, which may be obtained from the American War...

  16. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.548 Standard form of underwriting agency agreement for cargo, Form MA-318. This form, which may be obtained from the American War...

  17. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.548 Standard form of underwriting agency agreement for cargo, Form MA-318. This form, which may be obtained from the American War...

  18. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.548 Standard form of underwriting agency agreement for cargo, Form MA-318. This form, which may be obtained from the American War...

  19. Genetic discrimination in health insurance: current legal protections and industry practices.

    PubMed

    Pollitz, Karen; Peshkin, Beth N; Bangit, Eliza; Lucia, Kevin

    2007-01-01

    Most states have enacted genetic nondiscrimination laws in health insurance, and federal legislation is pending in Congress. Scientists worry fear of discrimination discourages some patients from participating in clinical trials and hampers important medical research. This paper describes a study of medical underwriting practices in the individual health insurance market related to genetic information. Underwriters from 23 companies participated in a survey that asked them to underwrite four pairs of hypothetical applicants for health insurance. One person in each pair had received a positive genetic test result indicating increased risk of a future health condition--breast cancer, hemochromatosis, or heart disease--for a total of 92 underwriting decisions on applications involving genetic information. In seven of these 92 applications, underwriters said they would deny coverage, place a surcharge on premiums,or limit covered benefits based on an applicant's genetic information.

  20. The Impact of Policy Incentives on Long-Term Care Insurance and Medicaid Costs: Does Underwriting Matter?

    PubMed

    Cornell, Portia Y; Grabowski, David C

    2018-05-16

    To test whether underwriting modifies the effect of state-based incentives on individuals' purchase of long-term care insurance. Health and Retirement Study (HRS), 1996-2012. We estimated difference-in-difference regression models with an interaction of state policy indicators with individuals' probabilities of being approved for long-term care insurance. We imputed probabilities of underwriting approval for respondents in the HRS using a model developed with underwriting decisions from two U.S. insurance firms. We measured the elasticity response to long-term care insurance price using changes in simulated after-tax price as an instrumental variable for premium price. Tax incentives and Partnership programs increased insurance purchase by 3.62 percentage points and 1.8 percentage points, respectively, among those with the lowest risk (highest approval probability). Neither had any statistically significant effects among the highest risk individuals. We show that ignoring the effects of underwriting may lead to biased estimates of the potential state budget savings of long-term care insurance tax incentives. If the private market is to play a role in financing long-term care, policies need to address the underlying adverse selection problems. © Health Research and Educational Trust.

  1. Supplementary insurance as a switching cost for basic health insurance: Empirical results from the Netherlands.

    PubMed

    Willemse-Duijmelinck, Daniëlle M I D; van de Ven, Wynand P M M; Mosca, Ilaria

    2017-10-01

    Nearly everyone with a supplementary insurance (SI) in the Netherlands takes out the voluntary SI and the mandatory basic insurance (BI) from the same health insurer. Previous studies show that many high-risks perceive SI as a switching cost for BI. Because consumers' current insurer provides them with a guaranteed renewability, SI is a switching cost if insurers apply selective underwriting to new applicants. Several changes in the Dutch health insurance market increased insurers' incentives to counteract adverse selection for SI. Tools to do so are not only selective underwriting, but also risk rating and product differentiation. If all insurers use the latter tools without selective underwriting, SI is not a switching cost for BI. We investigated to what extent insurers used these tools in the periods 2006-2009 and 2014-2015. Only a few insurers applied selective underwriting: in 2015, 86% of insurers used open enrolment for all their SI products, and the other 14% did use open enrolment for their most common SI products. As measured by our indicators, the proportion of insurers applying risk rating or product differentiation did not increase in the periods considered. Due to the fear of reputation loss insurers may have used 'less visible' tools to counteract adverse selection that are indirect forms of risk rating and product differentiation and do not result in switching costs. So, although many high-risks perceive SI as a switching cost, most insurers apply open enrolment for SI. By providing information to high-risks about their switching opportunities, the government could increase consumer choice and thereby insurers' incentives to invest in high-quality care for high-risks. Copyright © 2017 Elsevier B.V. All rights reserved.

  2. Medical Underwriting In Long-Term Care Insurance: Market Conditions Limit Options For Higher-Risk Consumers.

    PubMed

    Cornell, Portia Y; Grabowski, David C; Cohen, Marc; Shi, Xiaomei; Stevenson, David G

    2016-08-01

    A key feature of private long-term care insurance is that medical underwriters screen out would-be buyers who have health conditions that portend near-term physical or cognitive disability. We applied common underwriting criteria based on data from two long-term care insurers to a nationally representative sample of individuals in the target age range (50-71 years) for long-term care insurance. The screening criteria put upper bounds on the current proportion of Americans who could gain coverage in the individual market without changes to medical underwriting practice. Specifically, our simulations show that in the target age range, approximately 30 percent of those whose wealth meets minimum industry standards for suitability for long-term care insurance would have their application for such insurance rejected at the underwriting stage. Among the general population-without considering financial suitability-we estimated that 40 percent would have their applications rejected. The predicted rejection rates are substantially higher than the rejection rates of about 20-25 percent of applicants in the actual market. In evaluating reforms for long-term care financing and their potential to increase private insurance rates, as well as to reduce financial pressure on public safety-net programs, policy makers need to consider the role of underwriting in the market for long-term care insurance. Project HOPE—The People-to-People Health Foundation, Inc.

  3. Medical Underwriting In Long-Term Care Insurance: Market Conditions Limit Options For Higher-risk Consumers

    PubMed Central

    2016-01-01

    A key feature of private long-term care insurance is that medical underwriters screen out would-be buyers who have health conditions that portend near-term physical or cognitive disability. We applied common underwriting criteria based on data from two long-term care insurers to a nationally representative sample of individuals in the target age range for long-term care insurance (50–71 years of age). The screening criteria put upper bounds on the current proportion of Americans who could gain coverage in the individual market without changes to medical underwriting practice. Specifically, our simulations show that, for the target age range, approximately 30% of individuals whose wealth meets minimum industry standards for the suitability of long-term care insurance would have their long-term care insurance application rejected for medical reasons. Among the general population–without considering restrictions on wealth–we estimate that 40% would be disqualified. In evaluating long-term care financing reforms and their potential to increase private insurance rates, as well as to reduce financial pressure on public safety-net programs, policymakers need to consider the role of underwriting in the market for long-term care insurance. PMID:27503976

  4. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.549 Application for... American War Risk Agency or MARAD. ...

  5. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.549 Application for... American War Risk Agency or MARAD. ...

  6. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.549 Application for... American War Risk Agency or MARAD. ...

  7. 46 CFR 308.549 - Application for appointment of Cargo Underwriting Agent, Form MA-319.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., Form MA-319. 308.549 Section 308.549 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iv-General § 308.549 Application for... American War Risk Agency or MARAD. ...

  8. 46 CFR 308.527 - Application for return premium, Form MA-307.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Section 308.527 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.527 Application... the American War Risk Agency or MARAD, shall be filed in duplicate with the Underwriting Agent on Form...

  9. 46 CFR 308.527 - Application for return premium, Form MA-307.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Section 308.527 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.527 Application... the American War Risk Agency or MARAD, shall be filed in duplicate with the Underwriting Agent on Form...

  10. 46 CFR 308.547 - Application for return premium, Form MA-317.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... Section 308.547 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.547 Application... with the Underwriting Agent on Form MA-317, which may be obtained from the American War Risk Agency or...

  11. 46 CFR 308.527 - Application for return premium, Form MA-307.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Section 308.527 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.527 Application... the American War Risk Agency or MARAD, shall be filed in duplicate with the Underwriting Agent on Form...

  12. 46 CFR 308.547 - Application for return premium, Form MA-317.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... Section 308.547 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.547 Application... with the Underwriting Agent on Form MA-317, which may be obtained from the American War Risk Agency or...

  13. 46 CFR 308.547 - Application for return premium, Form MA-317.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Section 308.547 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.547 Application... with the Underwriting Agent on Form MA-317, which may be obtained from the American War Risk Agency or...

  14. 46 CFR 308.547 - Application for return premium, Form MA-317.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Section 308.547 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.547 Application... with the Underwriting Agent on Form MA-317, which may be obtained from the American War Risk Agency or...

  15. 46 CFR 308.527 - Application for return premium, Form MA-307.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Section 308.527 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo Insurance § 308.527 Application... the American War Risk Agency or MARAD, shall be filed in duplicate with the Underwriting Agent on Form...

  16. 46 CFR 308.541 - Issuance.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Issuance. 308.541 Section 308.541 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Facultative War Risk Cargo Insurance § 308.541 Issuance. (a) Binder. The Underwriting Agent is authorized to...

  17. 46 CFR 308.541 - Issuance.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 46 Shipping 8 2012-10-01 2012-10-01 false Issuance. 308.541 Section 308.541 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.541 Issuance. (a) Binder. The Underwriting Agent is authorized to...

  18. 46 CFR 308.541 - Issuance.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false Issuance. 308.541 Section 308.541 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.541 Issuance. (a) Binder. The Underwriting Agent is authorized to...

  19. 46 CFR 308.541 - Issuance.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Issuance. 308.541 Section 308.541 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.541 Issuance. (a) Binder. The Underwriting Agent is authorized to...

  20. 46 CFR 308.541 - Issuance.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 46 Shipping 8 2011-10-01 2011-10-01 false Issuance. 308.541 Section 308.541 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Iii-Facultative War Risk Cargo Insurance § 308.541 Issuance. (a) Binder. The Underwriting Agent is authorized to...

  1. 46 CFR 308.517 - Open Cargo Policy, Form MA-300.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Open Policy War Risk Cargo Insurance § 308.517 Open Cargo Policy, Form MA-300. The standard form of War Risk Open Cargo, Form MA-300, may be obtained from MARAD's underwriting agent or MARAD. ...

  2. 46 CFR 308.530 - Letter requesting increase or decrease in amount of surety bond, Form MA-310.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... surety bond, Form MA-310. 308.530 Section 308.530 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo... underwriting agent and may be obtained from the American War Risk Agency or MARAD. ...

  3. 46 CFR 308.530 - Letter requesting increase or decrease in amount of surety bond, Form MA-310.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... surety bond, Form MA-310. 308.530 Section 308.530 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo... underwriting agent and may be obtained from the American War Risk Agency or MARAD. ...

  4. 46 CFR 308.536 - Declaration where failure to comply with Clause 21 was inadvertent, Form MA-314.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... inadvertent, Form MA-314. 308.536 Section 308.536 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Open Policy War Risk Cargo..., which may be obtained from MARAD's underwriting agent or MARAD. Facultative War Risk Cargo Insurance ...

  5. 46 CFR 308.530 - Letter requesting increase or decrease in amount of surety bond, Form MA-310.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... surety bond, Form MA-310. 308.530 Section 308.530 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo... underwriting agent and may be obtained from the American War Risk Agency or MARAD. ...

  6. 46 CFR 308.530 - Letter requesting increase or decrease in amount of surety bond, Form MA-310.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... surety bond, Form MA-310. 308.530 Section 308.530 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance Ii-Open Policy War Risk Cargo... underwriting agent and may be obtained from the American War Risk Agency or MARAD. ...

  7. 46 CFR 308.548 - Standard form of underwriting agency agreement for cargo, Form MA-318.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., Form MA-318. 308.548 Section 308.548 Shipping MARITIME ADMINISTRATION, DEPARTMENT OF TRANSPORTATION EMERGENCY OPERATIONS WAR RISK INSURANCE War Risk Cargo Insurance General § 308.548 Standard form of... issue war risk cargo policies in accordance with the provision of the agreement and this subpart. ...

  8. 76 FR 77865 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Order Instituting...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-14

    .../Conflicts of Interest; (3) Representations to Issuers; (4) Required Disclosures to Issuers; (5) Underwriter Duties in Connection with Issuer Disclosure Documents; (5) Underwriter Compensation and New Issue Pricing... underwriter to make certain disclosures to the issuer of municipal securities to clarify the underwriter's...

  9. 12 CFR 225.22 - Exempt nonbanking activities and acquisitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... (ix) Selling, purchasing, or underwriting insurance, such as blanket bond insurance, group insurance... risk-weighted assets (on a consolidated basis) of the acquiring lending company or industrial bank, or...

  10. 12 CFR 225.22 - Exempt nonbanking activities and acquisitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... (ix) Selling, purchasing, or underwriting insurance, such as blanket bond insurance, group insurance... risk-weighted assets (on a consolidated basis) of the acquiring lending company or industrial bank, or...

  11. 12 CFR 225.22 - Exempt nonbanking activities and acquisitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... (ix) Selling, purchasing, or underwriting insurance, such as blanket bond insurance, group insurance... risk-weighted assets (on a consolidated basis) of the acquiring lending company or industrial bank, or...

  12. 77 FR 4374 - Submission for OMB Review; Comments Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-27

    ...) calendar-days of publication of this Notice. OPIC plans to implement this form in Fall 2012. ADDRESSES... Request: Revised form. Title: Request for Registration for Political Risk Insurance. Form Number: OPIC-50... for political risk insurance and collect information for underwriting analysis. Dated: January 20...

  13. 77 FR 4372 - Submission for OMB Review; Comments Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-27

    ... (30) calendar-days of publication of this Notice. OPIC plans to implement this form in Fall 2012... Request: Revised form. Title: Application for Political Risk Insurance. Form Number: OPIC-52. [[Page 4373... for political risk insurance and collect information for underwriting analysis. Dated: January 20...

  14. Insuring the unknown.

    PubMed

    Parsons, C

    2015-12-01

    Uncertainty is the central element in insurance. This article examines how insurers evaluate and price risks that can present very high levels of uncertainty, and which many underwriters regard as especially hazardous in insurance terms. These are the risks associated with new medical devices, new pharmaceutical products and others substances for human consumption, such as food additives. Insurance is likely to be needed for these products both during their research and development phases, including insurance for clinical trials, and also once the device, drug or other substance gains approval and is in regular use.The article examines the types of insurance that are available to cover these risks, the organizations that provide insurance and how the insurance is organised. It discusses the basic principles that insurers use to price insurance before considering the difficulties presented by novel and complex risks generally. The article concludes with a description of the techniques that insurers employ to analyse and price the particular risks that are our subject and a discussion of how underwriters seek to overcome the special problems associated with them. © The Author(s) 2015.

  15. 45 CFR 146.122 - Additional requirements prohibiting discrimination based on genetic information.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... 1, the health risk assessment includes a request for genetic information (that is, the individual's... health risk assessment are a request for genetic information for underwriting purposes and are prohibited.... Individual A group health plan covers genetic testing for celiac disease for individuals who have family...

  16. 45 CFR 146.122 - Additional requirements prohibiting discrimination based on genetic information.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... 1, the health risk assessment includes a request for genetic information (that is, the individual's... health risk assessment are a request for genetic information for underwriting purposes and are prohibited.... Individual A group health plan covers genetic testing for celiac disease for individuals who have family...

  17. 45 CFR 146.122 - Additional requirements prohibiting discrimination based on genetic information.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 1, the health risk assessment includes a request for genetic information (that is, the individual's... health risk assessment are a request for genetic information for underwriting purposes and are prohibited.... Individual A group health plan covers genetic testing for celiac disease for individuals who have family...

  18. 45 CFR 146.122 - Additional requirements prohibiting discrimination based on genetic information.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 1, the health risk assessment includes a request for genetic information (that is, the individual's... health risk assessment are a request for genetic information for underwriting purposes and are prohibited.... Individual A group health plan covers genetic testing for celiac disease for individuals who have family...

  19. 17 CFR 255.11 - Permitted organizing and offering, underwriting, and market making with respect to a covered fund.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... offering, underwriting, and market making with respect to a covered fund. 255.11 Section 255.11 Commodity....11 Permitted organizing and offering, underwriting, and market making with respect to a covered fund... implementing regulations issued thereunder. (c) Underwriting and market making in ownership interests of a...

  20. 16 CFR 802.60 - Acquisitions by securities underwriters.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... INTERPRETATIONS UNDER THE HART-SCOTT-RODINO ANTITRUST IMPROVEMENTS ACT OF 1976 EXEMPTION RULES § 802.60... underwriter, in the ordinary course of business, and in the process of underwriting, shall be exempt from the...

  1. 31. ORIGINAL 1905 BUILDING, LOOKING SOUTHWEST. THIS VIEW WAS PUBLISHED ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    31. ORIGINAL 1905 BUILDING, LOOKING SOUTHWEST. THIS VIEW WAS PUBLISHED IN UNDERWRITERS' LABORATORIES' REPORT, ORGANIZATION, PURPOSE AND METHODS OF UNDERWRITERS' LABORATORIES, page 2 - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  2. The underwriting cycle: the rule of six.

    PubMed

    Rosenblatt, Alice

    2004-01-01

    The underwriting cycle is a thing of the past for most health insurance companies. There were six primary factors that caused the six-year pattern of the underwriting cycle for 1965-1991. These factors were claims payment cycle time, renewal dates and process, growth versus profit objectives, role of the actuary, rate regulation, and reimbursement methods. Most companies have made major changes to influence these factors, which will prevent a recurrence of the underwriting cycles of the past.

  3. 76 FR 67503 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of a...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-01

    ... municipal securities market on a systemic basis. Periodic examinations of regulated entities are an... Exchange Act. Separately, FINRA examines its members pursuant to a risk-based approach at least every four... underwriting, research, or trading. They, therefore, do not pose systemic risk to the market in these areas. \\3...

  4. 7 CFR 400.706 - Review of submission.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... principles, meets the requirements of the Act, does not contain excessive risks, follows sound, reasonable, and appropriate underwriting principles, as well as other items the Board may deem necessary; (3... taxpayers, is actuarially appropriate, follows appropriate insurance principles, meets the requirements of...

  5. 17 CFR 75.4 - Permitted underwriting and market making-related activities.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... market making-related activities. 75.4 Section 75.4 Commodity and Securities Exchanges COMMODITY FUTURES... FUNDS Proprietary Trading § 75.4 Permitted underwriting and market making-related activities. (a... underwriter. (b) Market making-related activities—(1) Permitted market making-related activities. The...

  6. 12 CFR 225.4 - Corporate practices.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... financial holding companies engaged in securities underwriting, dealing, or market-making activities. (1... an affiliated company engaged in underwriting, dealing in, or making a market in securities pursuant... underwriting, dealing in, or making a market in securities pursuant to section 4(k)(4)(E) of the Bank Holding...

  7. 17 CFR 255.4 - Permitted underwriting and market making-related activities.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... market making-related activities. 255.4 Section 255.4 Commodity and Securities Exchanges SECURITIES AND... FUNDS Proprietary Trading § 255.4 Permitted underwriting and market making-related activities. (a... the banking entity is acting as underwriter. (b) Market making-related activities—(1) Permitted market...

  8. 12 CFR 225.4 - Corporate practices.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) Requirements for financial holding companies engaged in securities underwriting, dealing, or market-making... bank to an affiliated company engaged in underwriting, dealing in, or making a market in securities... underwriting, dealing in, or making a market in securities pursuant to section 4(k)(4)(E) of the Bank Holding...

  9. Verification of consumers' experiences and perceptions of genetic discrimination and its impact on utilization of genetic testing.

    PubMed

    Barlow-Stewart, Kristine; Taylor, Sandra D; Treloar, Susan A; Stranger, Mark; Otlowski, Margaret

    2009-03-01

    To undertake a systematic process of verification of consumer accounts of alleged genetic discrimination. Verification of incidents reported in life insurance and other contexts that met the criteria of genetic discrimination, and the impact of fear of such treatment, was determined, with consent, through interview, document analysis and where appropriate, direct contact with the third party involved. The process comprised obtaining evidence that the alleged incident was accurately reported and determining whether the decision or action seemed to be justifiable and/or ethical. Reported incidents of genetic discrimination were verified in life insurance access, underwriting and coercion (9), applications for worker's compensation (1) and early release from prison (1) and in two cases of fear of discrimination impacting on access to genetic testing. Relevant conditions were inherited cancer susceptibility (8), Huntington disease (3), hereditary hemochromatosis (1), and polycystic kidney disease (1). In two cases, the reversal of an adverse underwriting decision to standard rate after intervention with insurers by genetics health professionals was verified. The mismatch between consumer and third party accounts in three life insurance incidents involved miscommunication or lack of information provision by financial advisers. These first cases of verified genetic discrimination make it essential for policies and guidelines to be developed and implemented to ensure appropriate use of genetic test results in insurance underwriting, to promote education and training in the financial industry, and to provide support for consumers and health professionals undertaking challenges of adverse decisions.

  10. 12 CFR 225.4 - Corporate practices.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... securities underwriting, dealing, or market-making activities. (1) Any intra-day extension of credit by a... underwriting, dealing in, or making a market in securities pursuant to section 4(k)(4)(E) of the Bank Holding... foreign bank to an affiliated company engaged in underwriting, dealing in, or making a market in...

  11. 12 CFR 225.4 - Corporate practices.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... securities underwriting, dealing, or market-making activities. (1) Any intra-day extension of credit by a... underwriting, dealing in, or making a market in securities pursuant to section 4(k)(4)(E) of the Bank Holding... foreign bank to an affiliated company engaged in underwriting, dealing in, or making a market in...

  12. 12 CFR 225.4 - Corporate practices.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... securities underwriting, dealing, or market-making activities. (1) Any intra-day extension of credit by a... underwriting, dealing in, or making a market in securities pursuant to section 4(k)(4)(E) of the Bank Holding... foreign bank to an affiliated company engaged in underwriting, dealing in, or making a market in...

  13. 78 FR 65030 - Agency Requests for Renewal of a Previously Approved Information Collection(s): Approval of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-30

    ... Previously Approved Information Collection(s): Approval of Underwriters of Marine Hull Insurance AGENCY...: Approval of Underwriters of Marine Hull Insurance. Form Numbers: None. Type of Review: Renewal of an... approval of marine hull underwriters to insure Maritime Administration program vessels. Foreign and...

  14. 76 FR 11827 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-03

    ... account. Rule 27d-1(j) directs depositors and principal underwriters annually to make an accounting of... depositor or principal underwriter for an issuer of periodic payment plans to deposit funds into a... depositors or principal underwriters for the issuers of periodic payment plans. In order to comply with the...

  15. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 32 National Defense 3 2010-07-01 2010-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  16. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 32 National Defense 3 2012-07-01 2009-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  17. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 32 National Defense 3 2014-07-01 2014-07-01 false Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  18. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 32 National Defense 3 2013-07-01 2013-07-01 false Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  19. 12 CFR 528.2a - Nondiscriminatory appraisal and underwriting.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 12 Banks and Banking 5 2010-01-01 2010-01-01 false Nondiscriminatory appraisal and underwriting. 528.2a Section 528.2a Banks and Banking OFFICE OF THRIFT SUPERVISION, DEPARTMENT OF THE TREASURY NONDISCRIMINATION REQUIREMENTS § 528.2a Nondiscriminatory appraisal and underwriting. (a) Appraisal. No savings...

  20. 32 CFR 552.64 - Sound insurance underwriting and programing.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 32 National Defense 3 2011-07-01 2009-07-01 true Sound insurance underwriting and programing. 552... Reservations § 552.64 Sound insurance underwriting and programing. The Department of the Army encourages the acquisition of a sound insurance program that is suitably underwritten to meet the varying needs of the...

  1. 75 FR 75693 - Rehabilitation Mortgage Insurance Underwriting Program Section 203(k); Notice of Proposed...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-06

    ... Insurance Underwriting Program Section 203(k); Notice of Proposed Information Collection: Comment Request... Underwriting Program Section 203(k). OMB Control Number, if applicable: 2502-0527. Description of the need for... borrower defaults on single-family mortgages. Specifically, under Section 203(k) of the Act, the Secretary...

  2. Captive insurance: is it the right choice for your insurance exposures?

    PubMed

    Frese, Richard C

    2015-12-01

    Potential benefits of a captive insurance company include: Broader coverage Improved cash flow and stability. Direct access to reinsurance markets. Tax advantages. Better handling and control of risk management and claims. Potential drawbacks and challenges include: Startup capitalization. Underwriting losses. Administration and commitment.

  3. 12 CFR 160.101 - Real estate lending standards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  4. 12 CFR 560.101 - Real estate lending standards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  5. 12 CFR 560.101 - Real estate lending standards.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  6. 12 CFR 560.101 - Real estate lending standards.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  7. 12 CFR 390.265 - Real estate lending standards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  8. 12 CFR 560.101 - Real estate lending standards.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  9. 24 CFR 965.205 - Qualified PHA-owned insurance entity.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... a PHA could purchase insurance coverage without regard to competitive selection procedures when it purchases it from a nonprofit insurance entity owned and controlled by PHAs approved by HUD in accordance... of experience in large risk (exceeding $100,000 in annual premiums) commercial underwriting or at...

  10. Managing 'tail liability'.

    PubMed

    Frese, Richard C; Weber, Ryan J

    2013-11-01

    To reduce and control their level of tail liability, hospitals should: Utilize a self-insurance vehicle; Consider combined limits between the hospital and physicians; Communicate any program changes to the actuary, underwriter, and auditor; Continue risk management and safety practices; Ensure credit is given to the organization's own medical malpractice program.

  11. 5 CFR 875.405 - If I marry, may my new spouse apply for coverage?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... from the date of your marriage and will be subject to the underwriting requirements in force for the... abbreviated underwriting because of your marriage. You may apply for coverage along with your spouse, but full... with full underwriting at any time following the marriage. (b) The new spouse and other qualified...

  12. 17 CFR 75.11 - Permitted organizing and offering, underwriting, and market making with respect to a covered fund.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... offering, underwriting, and market making with respect to a covered fund. 75.11 Section 75.11 Commodity and... organizing and offering, underwriting, and market making with respect to a covered fund. (a) Organizing and... and market making in ownership interests of a covered fund. The prohibition contained in § 75.10(a...

  13. 12 CFR 1.3 - Limitations on dealing in, underwriting, and purchase and sale of securities.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... sale of securities. (a) Type I securities. A national bank may deal in, underwrite, purchase, and sell Type I securities for its own account. The amount of Type I securities that the bank may deal in...) Type II securities. A national bank may deal in, underwrite, purchase, and sell Type II securities for...

  14. 31 CFR 223.11 - Limitation of risk: Protective methods.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... (Continued) FISCAL SERVICE, DEPARTMENT OF THE TREASURY FINANCIAL MANAGEMENT SERVICE SURETY COMPANIES DOING... prescribed in § 223.10 may be complied with by the following methods: (a) Coinsurance. Two or more companies... underwriting limitations. Each company shall limit its liability upon the face of the bond or policy, to a...

  15. 12 CFR Appendix A to Subpart A of... - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  16. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  17. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  18. 12 CFR Appendix A to Subpart A of... - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  19. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  20. 12 CFR Appendix A to Part 365 - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... and type of the project or property: • Requirements for feasibility studies and sensitivity and risk... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  1. 12 CFR Appendix C to Part 208 - Interagency Guidelines for Real Estate Lending Policies

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... or property: • Requirements for feasibility studies and sensitivity and risk analyses (e.g... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  2. 46 CFR 249.7 - Approval.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... time of issuance, shall contain the latest American Institute of Marine Underwriters' forms, or... Suable Clause or Service of Suit (USA) Clause. (g)(1) To maintain approval, foreign underwriters, other...

  3. 46 CFR 249.7 - Approval.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... time of issuance, shall contain the latest American Institute of Marine Underwriters' forms, or... Suable Clause or Service of Suit (USA) Clause. (g)(1) To maintain approval, foreign underwriters, other...

  4. 17 CFR Appendix B to Part 255 - Enhanced Minimum Standards for Compliance Programs

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... documentation for market making-related activities conducted in reliance on § 255.4(b) and for hedging activity... activities; iii. The mission (i.e., the type of trading activity, such as market-making, trading in sovereign... arrangements for traders engaged in underwriting or market making-related activities under § 255.4 or risk...

  5. 4. VIEW OF REAR SIDE OF THE COMPLEX, SHOWING RECENT ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    4. VIEW OF REAR SIDE OF THE COMPLEX, SHOWING RECENT ONE-STORY UNDERWRITERS' LABORATORIES ADDITION AND OLDER BUILDINGS BEHIND, CENTER - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  6. 7 CFR 4290.825 - Purchasing securities from an underwriter or other third party.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... BUSINESS INVESTMENT COMPANY (âRBICâ) PROGRAM Financing of Enterprises by RBICs Structuring Rbic Financing of Eligible Enterprises-Types of Financings § 4290.825 Purchasing securities from an underwriter or...

  7. FLIGHTFAX: Army Aviation Risk-Management Information. Volume 27, Number 11, November 1999. Flying Habits and Judgment are Infectious

    DTIC Science & Technology

    1999-11-01

    hatcanl they do to mie ? ,’Inth igt against accidents, on h ngins true- *•.,••, German hotdogs :get aitae dh angodjudgmn on th pato taste of Goring...subject to change. "... leaders must be willinq to underwrite their subordinates’ honest errors and coach them on to excellence, without toleratinq

  8. 12 CFR 616.6300 - Leasing policies, procedures, and underwriting standards.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... underwriting requirements in § 614.4150 of this chapter. An institution engaged in the making, buying, or... at the inception of the lease; (b) Process for estimating the leased asset's market value during the...

  9. 12 CFR 616.6300 - Leasing policies, procedures, and underwriting standards.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... underwriting requirements in § 614.4150 of this chapter. An institution engaged in the making, buying, or... at the inception of the lease; (b) Process for estimating the leased asset's market value during the...

  10. 12 CFR 616.6300 - Leasing policies, procedures, and underwriting standards.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... underwriting requirements in § 614.4150 of this chapter. An institution engaged in the making, buying, or... at the inception of the lease; (b) Process for estimating the leased asset's market value during the...

  11. Commercial mortgages: An underutilized channel for scaling energy efficiency investments?

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Mathew, Paul; Wallace, Nancy; Alschuler, Elena

    2016-02-01

    Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3%more » average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.« less

  12. 24 CFR 4001.110 - Underwriting.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Underwriting. 4001.110 Section 4001.110 Housing and Urban Development Regulations Relating to Housing and Urban Development (Continued) BOARD OF DIRECTORS OF THE HOPE FOR HOMEOWNERS PROGRAM HOPE FOR HOMEOWNERS PROGRAM Eligibility...

  13. Right hepatic lobe donation adversely affects donor life insurability up to one year after donation.

    PubMed

    Nissing, Matthew H; Hayashi, Paul H

    2005-07-01

    There are no data regarding hepatic lobe donation effects on donor life insurability. Two investigators called 10 agents of 10 different large life insurance companies. One investigator gave a fictitious profile: Caucasian man, 33 years old, nonsmoker, without medical problems (control profile [CP]). The other investigator used the same profile with a history of uncomplicated right lobe donation 12 months earlier (donor profile [DP]). Investigators asked for premium quotes on a $100,000 term life policy. No medical testing or record review was allowed. Investigators were blinded to the results of each other's calls. Agents were unaware of the study. We documented underwriting decisions, premiums quoted, stipulations, number of phone calls, and phone time. All 10 companies would pursue underwriting CP at their lowest, "preferred" rate. Five would do the same for DP. Two might underwrite DP at a more expensive "standard" rate, but a "preferred" rate would be less likely. One would underwrite DP at the "standard" rate; one would not underwrite DP. One agent did not return follow-up calls (DP insurability < CP, P = 0.04). Mean quoted premiums were lower for CP vs. DP ($189/yr. vs. $202/yr., P = 0.56). Median number of phone calls required was 1 for CP and 3 for DP (P = 0.01). Mean telephone minutes were 4.2 for CP and 8.0 for DP (P = 0.004). In conclusion, right hepatic lobe donation decreases life insurability 1 year after uncomplicated donation. Donors can expect some increased difficulty obtaining life insurance, but they should find a company willing to pursue underwriting. The premium paid may be slightly higher.

  14. 46 CFR 35.30-30 - Portable electric equipment-TB/ALL.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., explosion-proof lamps approved by Underwriters Laboratories Inc., Factory Mutual Research Corporation, or... Underwriters Laboratories Inc., Factory Mutual Research Corporation, or other independent laboratory recognized...; (iv) Filled with Grade E liquid; or (v) Spaces where flammable gases are not expected to accumulate...

  15. 46 CFR 35.30-30 - Portable electric equipment-TB/ALL.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., explosion-proof lamps approved by Underwriters Laboratories Inc., Factory Mutual Research Corporation, or... Underwriters Laboratories Inc., Factory Mutual Research Corporation, or other independent laboratory recognized...; (iv) Filled with Grade E liquid; or (v) Spaces where flammable gases are not expected to accumulate...

  16. 46 CFR 35.30-30 - Portable electric equipment-TB/ALL.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ..., explosion-proof lamps approved by Underwriters Laboratories Inc., Factory Mutual Research Corporation, or... Underwriters Laboratories Inc., Factory Mutual Research Corporation, or other independent laboratory recognized...; (iv) Filled with Grade E liquid; or (v) Spaces where flammable gases are not expected to accumulate...

  17. 46 CFR 35.30-30 - Portable electric equipment-TB/ALL.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., explosion-proof lamps approved by Underwriters Laboratories Inc., Factory Mutual Research Corporation, or... Underwriters Laboratories Inc., Factory Mutual Research Corporation, or other independent laboratory recognized...; (iv) Filled with Grade E liquid; or (v) Spaces where flammable gases are not expected to accumulate...

  18. 46 CFR 35.30-30 - Portable electric equipment-TB/ALL.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., explosion-proof lamps approved by Underwriters Laboratories Inc., Factory Mutual Research Corporation, or... Underwriters Laboratories Inc., Factory Mutual Research Corporation, or other independent laboratory recognized...; (iv) Filled with Grade E liquid; or (v) Spaces where flammable gases are not expected to accumulate...

  19. 77 FR 21991 - Federal Housing Administration (FHA): Multifamily Accelerated Processing (MAP)-Lender and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-04-12

    ... Administration (FHA): Multifamily Accelerated Processing (MAP)--Lender and Underwriter Eligibility Criteria and....gov . FOR FURTHER INFORMATION CONTACT: Terry W. Clark, Office of Multifamily Development, Office of... qualifications could underwrite loans involving more complex multifamily housing programs and transactions. II...

  20. 75 FR 20032 - Information Collection Available for Public Comments and Recommendations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-16

    ... Underwriters of Marine Hull Insurance. Type of Request: Extension of currently approved information collection... collection of information involves the approval of marine hull underwriters to insure Maritime Administration... suitability for providing marine hull insurance on Maritime Administration vessels. Description of Respondents...

  1. 13 CFR 115.15 - Underwriting and servicing standards.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... generally accepted by the surety industry and in accordance with SBA's Standard Operating Procedures on... standards. 115.15 Section 115.15 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SURETY BOND GUARANTEE Provisions for All Surety Bond Guarantees § 115.15 Underwriting and servicing standards. (a...

  2. 13 CFR 115.15 - Underwriting and servicing standards.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... generally accepted by the surety industry and in accordance with SBA's Standard Operating Procedures on... standards. 115.15 Section 115.15 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SURETY BOND GUARANTEE Provisions for All Surety Bond Guarantees § 115.15 Underwriting and servicing standards. (a...

  3. 13 CFR 115.15 - Underwriting and servicing standards.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... generally accepted by the surety industry and in accordance with SBA's Standard Operating Procedures on... standards. 115.15 Section 115.15 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SURETY BOND GUARANTEE Provisions for All Surety Bond Guarantees § 115.15 Underwriting and servicing standards. (a...

  4. 13 CFR 115.15 - Underwriting and servicing standards.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... generally accepted by the surety industry and in accordance with SBA's Standard Operating Procedures on... standards. 115.15 Section 115.15 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SURETY BOND GUARANTEE Provisions for All Surety Bond Guarantees § 115.15 Underwriting and servicing standards. (a...

  5. 13 CFR 115.15 - Underwriting and servicing standards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... generally accepted by the surety industry and in accordance with SBA's Standard Operating Procedures on... standards. 115.15 Section 115.15 Business Credit and Assistance SMALL BUSINESS ADMINISTRATION SURETY BOND GUARANTEE Provisions for All Surety Bond Guarantees § 115.15 Underwriting and servicing standards. (a...

  6. 12 CFR 1253.2 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... automated loan underwriting system of an Enterprise in existence as of July 30, 2008, including any upgrade to the technology, operating system, or software to operate the underwriting system; (b) Any... finance or financial system. The term “new activity” does not include— (1) Any Enterprise business...

  7. 12 CFR 1253.2 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... automated loan underwriting system of an Enterprise in existence as of July 30, 2008, including any upgrade to the technology, operating system, or software to operate the underwriting system; (b) Any... finance or financial system. The term “new activity” does not include— (1) Any Enterprise business...

  8. 12 CFR 1253.2 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... automated loan underwriting system of an Enterprise in existence as of July 30, 2008, including any upgrade to the technology, operating system, or software to operate the underwriting system; (b) Any... finance or financial system. The term “new activity” does not include— (1) Any Enterprise business...

  9. 12 CFR 1253.2 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... automated loan underwriting system of an Enterprise in existence as of July 30, 2008, including any upgrade to the technology, operating system, or software to operate the underwriting system; (b) Any... finance or financial system. The term “new activity” does not include— (1) Any Enterprise business...

  10. 46 CFR 160.076-11 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... following methods: (1) Method 5100, Strength and Elongation, Breaking of Woven Cloth; Grab Method, 160.076-25; (2) Method 5132, Strength of Cloth, Tearing; Falling-Pendulum Method, 160.076-25; (3) Method 5134, Strength of Cloth, Tearing; Tongue Method, 160.076-25. Underwriters Laboratories (UL) Underwriters...

  11. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  12. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  13. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  14. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  15. 12 CFR 614.4150 - Lending policies and loan underwriting standards.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... loan underwriting standards. Under the policies of its board, each institution shall adopt written standards for prudent lending and shall issue written policies, operating procedures, and control mechanisms... standards. 614.4150 Section 614.4150 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN...

  16. 75 FR 81679 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ... entitled ``Accounting of Segregated Trust Account.'' Rule 27d-1 requires the depositor or principal... investment companies. Rule 27d-1(j) directs depositors and principal underwriters to make an accounting of... certain financial criteria; and (iii) the depositor or principal underwriter must file as an exhibit to...

  17. 46 CFR 164.013-2 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    .... All approved material incorporated by reference may be inspected at the National Archives and Records... Fire Safety Division, U.S. Coast Guard Stop 7509, 2703 Martin Luther King Jr. Avenue SE., Washington...: Underwriters Laboratories (UL) Underwriters Laboratories, Inc., P.O. Box 13995, Research Triangle Park, NC...

  18. 46 CFR 164.013-2 - Incorporation by reference.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    .... All approved material incorporated by reference may be inspected at the National Archives and Records... Fire Safety Division, U.S. Coast Guard Stop 7509, 2703 Martin Luther King Jr. Avenue SE., Washington...: Underwriters Laboratories (UL) Underwriters Laboratories, Inc., P.O. Box 13995, Research Triangle Park, NC...

  19. 75 FR 76082 - Agency Information Collection (Credit Underwriting Standards and Procedures for Processing VA...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-07

    ... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0521] Agency Information Collection (Credit Underwriting Standards and Procedures for Processing VA Guaranteed Loans) Activity Under OMB Review AGENCY... information abstracted below to the Office of Management and Budget (OMB) for review and comment. The PRA...

  20. 75 FR 60171 - Proposed Information Collection (Credit Underwriting Standards and Procedures for Processing VA...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-09-29

    ... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0521] Proposed Information Collection (Credit Underwriting Standards and Procedures for Processing VA Guaranteed Loans) Activity: Comment Request AGENCY... comment on the proposed collection of certain information by the agency. Under the Paperwork Reduction Act...

  1. 78 FR 60379 - Proposed Information Collection (Credit Underwriting Standards and Procedures for Processing VA...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-10-01

    ... DEPARTMENT OF VETERANS AFFAIRS [OMB Control No. 2900-0521] Proposed Information Collection (Credit Underwriting Standards and Procedures for Processing VA Guaranteed Loans) Activity: Comment Request AGENCY... comment on the proposed collection of certain information by the agency. Under the Paperwork Reduction Act...

  2. 26 CFR 1.823-6 - Determination of statutory underwriting income or loss.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... determining statutory underwriting income or loss for the taxable year, a mutual insurance company subject to...

  3. 26 CFR 1.823-6 - Determination of statutory underwriting income or loss.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... determining statutory underwriting income or loss for the taxable year, a mutual insurance company subject to...

  4. 26 CFR 1.823-6 - Determination of statutory underwriting income or loss.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... statutory underwriting income or loss for the taxable year, a mutual insurance company subject to the tax...

  5. 26 CFR 1.823-6 - Determination of statutory underwriting income or loss.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... determining statutory underwriting income or loss for the taxable year, a mutual insurance company subject to...

  6. 26 CFR 1.823-6 - Determination of statutory underwriting income or loss.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... TREASURY (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which... determining statutory underwriting income or loss for the taxable year, a mutual insurance company subject to...

  7. 12 CFR 211.605 - Permissible underwriting activities of foreign banks.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... the foreign banks are distributed in the United States. (3) Regulation K (12 CFR part 211) was amended... 12 Banks and Banking 2 2012-01-01 2012-01-01 false Permissible underwriting activities of foreign... FEDERAL RESERVE SYSTEM INTERNATIONAL BANKING OPERATIONS (REGULATION K) International Lending Supervision...

  8. 75 FR 39724 - Reports, Forms and Recordkeeping Requirements; Agency Information Collection Activity Under OMB...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-12

    ... INFORMATION: Maritime Administration (MARAD). Title: Approval of Underwriters for Marine Hull Insurance. OMB... of information involves the approval of marine hull underwriters to insure MARAD program vessels... suitability for providing marine hull insurance on MARAD vessels. Annual Estimated Burden Hours: 46 hours...

  9. 46 CFR 160.076-11 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... the public. All approved material is available for inspection at the National Archives and Records Administration (NARA) and at the U.S. Coast Guard, Lifesaving and Fire Safety Division (CG-ENG-4), 2100 2nd St...) Underwriters Laboratories (UL) Underwriters Laboratories, Inc., 333 Pfingsten Road, Northbrook, IL 60062-2096...

  10. 46 CFR 164.013-2 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    .... All approved material incorporated by reference may be inspected at the National Archives and Records Administration (NARA), and at the U.S. Coast Guard, Lifesaving and Fire Safety Division (CG-ENG-4), 2100 2nd St... as follows: Underwriters Laboratories (UL) Underwriters Laboratories, Inc., P.O. Box 13995, Research...

  11. 20 CFR 726.202 - Who may underwrite an operator's liability.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 20 Employees' Benefits 3 2010-04-01 2010-04-01 false Who may underwrite an operator's liability. 726.202 Section 726.202 Employees' Benefits EMPLOYMENT STANDARDS ADMINISTRATION, DEPARTMENT OF LABOR FEDERAL COAL MINE HEALTH AND SAFETY ACT OF 1969, AS AMENDED BLACK LUNG BENEFITS; REQUIREMENTS FOR COAL...

  12. 77 FR 45649 - Notice of Proposed Information Collection: Comment Request Direct Endorsement Underwriter/HUD...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-01

    ... Information Collection: Comment Request Direct Endorsement Underwriter/HUD Reviewer--Analysis of Appraisal... information collected is used by FHA to monitor the quality of the lender's analysis of the appraisal report...: Notice. SUMMARY: The proposed information collection requirement described below will be submitted to the...

  13. 78 FR 4159 - Notice of Proposed Information Collection: Comment Request; Direct Endorsement Underwriter/HUD...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-18

    ... Information Collection: Comment Request; Direct Endorsement Underwriter/HUD Reviewer--Analysis of Appraisal Report AGENCY: Office of the Chief Information Officer, HUD Commissioner, HUD. ACTION: Notice. SUMMARY... information collected is used by FHA to monitor the quality of the lender's analysis of the appraisal report...

  14. 17 CFR 230.141 - Definition of “commission from an underwriter or dealer not in excess of the usual and customary...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... or dealer a margin of profit not in excess of what is usual and customary in such transactions. (b... commissions paid by an underwriter or dealer directly or indirectly controlling or controlled by, or under...

  15. 5 CFR 875.101 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...: Abbreviated underwriting is a type of underwriting that asks fewer questions about your health status than... approved. The Carrier may also require review of your medical records, a phone interview, or an in-home interview. Actively at work means: (1) That as an active workforce member other than a member of the...

  16. 5 CFR 875.101 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...: Abbreviated underwriting is a type of underwriting that asks fewer questions about your health status than... approved. The Carrier may also require review of your medical records, a phone interview, or an in-home interview. Actively at work means: (1) That as an active workforce member other than a member of the...

  17. Insurance against climate change and flood risk: Insurability and decision processes of insurers

    NASA Astrophysics Data System (ADS)

    Hung, Hung-Chih; Hung, Jia-Yi

    2016-04-01

    1. Background Major portions of the Asia-Pacific region is facing escalating exposure and vulnerability to climate change and flood-related extremes. This highlights an arduous challenge for public agencies to improve existing risk management strategies. Conventionally, governmental funding was majorly responsible and accountable for disaster loss compensation in the developing countries in Asia, such as Taiwan. This is often criticized as an ineffective and inefficient measure of dealing with flood risk. Flood insurance is one option within the toolkit of risk-sharing arrangement and adaptation strategy to flood risk. However, there are numerous potential barriers for insurance companies to cover flood damage, which would cause the flood risk is regarded as uninsurable. This study thus aims to examine attitudes within the insurers about the viability of flood insurance, the decision-making processes of pricing flood insurance and their determinants, as well as to examine potential solutions to encourage flood insurance. 2. Methods and data Using expected-utility theory, an insurance agent-based decision-making model was developed to examine the insurers' attitudes towards the insurability of flood risk, and to scrutinize the factors that influence their decisions on flood insurance premium-setting. This model particularly focuses on how insurers price insurance when they face either uncertainty or ambiguity about the probability and loss of a particular flood event occurring. This study considers the factors that are expected to affect insures' decisions on underwriting and pricing insurance are their risk perception, attitudes towards flood insurance, governmental measures (e.g., land-use planning, building codes, risk communication), expected probabilities and losses of devastating flooding events, as well as insurance companies' attributes. To elicit insurers' utilities about premium-setting for insurance coverage, the 'certainty equivalent,' 'probability equivalent,' and 'gamble tradeoff' methods were used. We then synthesized a Tobit and an OLS regression analysis to identify and examine the determinants of insurers' decisions on insurability and pricing for flood risk. Furthermore, the data were collected through a questionnaire survey, which was conducted with the assistance from the Non-life Underwriters Society, Taiwan and the Actuarial Institute, Taiwan. After pretesting, questionnaires were mailed to 410 randomly chosen commercial property-and-casualty insurance firms' actuaries and underwriters. The final sample consisted of 179 questionnaires for a 43.8% response rate. 3. Results Results of the questionnaire survey reveal that flood risk tends to be more uninsurable when there is ambiguity regarding the probability of a particular flood event loss. The presence of insurers' risk aversion appears to be robust. Insurers would charge a significantly higher price for a flood insurance policy than normal property insurance. The findings also show that the insurers who perceived higher levels of flood risk, or/and had a company with smaller size or higher financial leverage, would trigger a higher premium for flood insurance. Governmental risk management strategies, such as land-use planning, building codes, flood-hazard zone regulations, also played a prominent role in enhancing insurability and decreasing insurance premium. Therefore, appropriate incentives should be combined with better public risk communication and mitigation strategies to stimulate insurance coverage in reducing flood loss.

  18. 12 CFR 250.409 - Investment for own account affects applicability of section 32.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... the issue, flotation, underwriting, public sale, or distribution, at wholesale, or retail, or through... Board has consistently held that underwriting, acting as a dealer, or generally speaking, selling, or... reduce its position in the stock in question to the smallest amount possible by this method. It appears...

  19. 12 CFR 250.409 - Investment for own account affects applicability of section 32.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... the issue, flotation, underwriting, public sale, or distribution, at wholesale, or retail, or through... Board has consistently held that underwriting, acting as a dealer, or generally speaking, selling, or... reduce its position in the stock in question to the smallest amount possible by this method. It appears...

  20. 12 CFR 250.409 - Investment for own account affects applicability of section 32.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... the issue, flotation, underwriting, public sale, or distribution, at wholesale, or retail, or through... Board has consistently held that underwriting, acting as a dealer, or generally speaking, selling, or... reduce its position in the stock in question to the smallest amount possible by this method. It appears...

  1. 12 CFR 250.409 - Investment for own account affects applicability of section 32.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... the issue, flotation, underwriting, public sale, or distribution, at wholesale, or retail, or through... Board has consistently held that underwriting, acting as a dealer, or generally speaking, selling, or... reduce its position in the stock in question to the smallest amount possible by this method. It appears...

  2. 75 FR 50883 - TRICARE; TRICARE Delivery of Health Care in Alaska

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-08-18

    ... 0720-AB29 TRICARE; TRICARE Delivery of Health Care in Alaska AGENCY: Office of the Secretary... eliminate the financial underwriting of health care costs in the state of Alaska by a TRICARE contractor... impose on a TRICARE contractor the financial underwriting of the delivery of health care resulting from...

  3. 76 FR 72235 - Abviva, Inc., ACTIS Global Ventures, Inc., aeroTelesis, Inc., Amwest Insurance Group, Inc., and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-22

    ... SECURITIES AND EXCHANGE COMMISSION [File No. 500-1] Abviva, Inc., ACTIS Global Ventures, Inc., aeroTelesis, Inc., Amwest Insurance Group, Inc., and Auto Underwriters of America, Inc.; Order of... concerning the securities of Auto Underwriters of America, Inc. because it has not filed any periodic reports...

  4. 5 CFR 875.101 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... than your mother or father, who is currently married to one of your parents, or, if one of your parents... is written as if the reader were an applicant or enrollee. Accordingly, the terms “you,” “your,” etc...: Abbreviated underwriting is a type of underwriting that asks fewer questions about your health status than...

  5. 5 CFR 875.101 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... than your mother or father, who is currently married to one of your parents, or, if one of your parents... is written as if the reader were an applicant or enrollee. Accordingly, the terms “you,” “your,” etc...: Abbreviated underwriting is a type of underwriting that asks fewer questions about your health status than...

  6. 5 CFR 875.101 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... than your mother or father, who is currently married to one of your parents, or, if one of your parents... is written as if the reader were an applicant or enrollee. Accordingly, the terms “you,” “your,” etc...: Abbreviated underwriting is a type of underwriting that asks fewer questions about your health status than...

  7. 76 FR 11825 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-03

    ... 27d-1 (17 CFR 270.27d-1) is entitled ``Reserve Requirements for Principal Underwriters and Depositors....'' Form N-27D-1 (17 CFR 274.127d-1) is entitled ``Accounting of Segregated Trust Account.'' Rule 27d-1 requires the depositor or principal underwriter for an issuer of a periodic payment plan to deposit funds...

  8. 17 CFR 230.144 - Persons deemed not to be engaged in a distribution and therefore not underwriters.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Persons deemed not to be engaged in a distribution and therefore not underwriters. 230.144 Section 230.144 Commodity and Securities Exchanges SECURITIES AND EXCHANGE COMMISSION GENERAL RULES AND REGULATIONS, SECURITIES ACT OF 1933 General...

  9. Policy Incentives and the Extension of Mortgage Credit: Increasing Market Discipline for Subprime Lending

    ERIC Educational Resources Information Center

    An, Xudong; Bostic, Raphael W.

    2009-01-01

    The lax underwriting in non-prime mortgage markets is widely perceived as one cause of the recent difficulties in the housing market. Policymakers are currently considering moves such as enforcing more careful underwriting to provide additional discipline to mortgage markets. This research explores the possibility of another approach to supplement…

  10. 75 FR 16821 - Housing Finance Agency Risk-Sharing Program

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-04-02

    ...The proposed information collection requirement described below has been submitted to the Office of Management and Budget (OMB) for review, as required by the Paperwork Reduction Act. The Department is soliciting public comments on the subject proposal. Section 542(c) of the Risk Sharing Program authorizes qualified Housing Finance Agencies (HFAs) to underwrite and process loans. HUD provides full mortgage insurance on affordable multifamily housing project processed by HFAs under this program. Qualified HFAs are vested with the maximum amount of processing responsibilities. By entering into Risk-Sharing Agreement with HUD, HFAs contract to reimburse HUD for a portion of the loss from any defaults that occur while HUD insurance is in force.

  11. Access to and use of infertility services in the United States: framing the challenges.

    PubMed

    Adashi, Eli Y; Dean, Laura A

    2016-05-01

    An overview of access to and use of general infertility and assisted reproductive technology (ART) services in the United States (U.S.) shows a declining trend for the ever-use of infertility services. Moreover, the use of ART services lags relative to other member nations of the Organization for Economic Co-operation and Development (OECD). Access to and use of general infertility and ART services is primarily undermined by a severely constrained underwriting universe dominated by self-insured employers and by a finite number of state infertility insurance mandates. The contribution of traditional public and private payers to the underwriting of ART is limited. As compared with OECD member nations wherein the access to and underwriting of general infertility and ART services is universal, the current status quo in the U.S. can only be characterized as dismal. Further, the current state of affairs is socially unjust in that the right to build a family in the face of infertility appears to have become a function of economic prowess. Given the dominance of the self-insured employers as underwriters of general infertility and ART services, advocacy directed at this interest group is likely to prove most productive. Improving the state of underwriting of general infertility and ART services in the U.S. must be embraced as a central moral imperative and as an unwavering strategic goal of the professional societies entrusted with the reproductive health of women and men. Copyright © 2016 American Society for Reproductive Medicine. Published by Elsevier Inc. All rights reserved.

  12. 17 CFR 270.22d-1 - Exemption from section 22(d) to permit sales of redeemable securities at prices which reflect...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... registered investment company that is the issuer of redeemable securities, a principal underwriter of such... load to particular classes of investors or transactions, Provided, That: (a) The company, the principal underwriter and dealers in the company's shares apply any scheduled variation uniformly to all offerees in the...

  13. 17 CFR 270.27d-1 - Reserve requirements for principal underwriters and depositors to carry out the obligations to...

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... underwriter has no obligation to refund any excess sales load pursuant to section 27(d) of the Act, the... and having capital and surplus of at least $10 million: Provided, That no such investment may have a maturity of more than 5 years, no more than 50 percent of the assets may be invested in obligations having...

  14. 17 CFR 270.27d-1 - Reserve requirements for principal underwriters and depositors to carry out the obligations to...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... underwriter has no obligation to refund any excess sales load pursuant to section 27(d) of the Act, the... and having capital and surplus of at least $10 million: Provided, That no such investment may have a maturity of more than 5 years, no more than 50 percent of the assets may be invested in obligations having...

  15. 17 CFR 270.27d-1 - Reserve requirements for principal underwriters and depositors to carry out the obligations to...

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... underwriter has no obligation to refund any excess sales load pursuant to section 27(d) of the Act, the... and having capital and surplus of at least $10 million: Provided, That no such investment may have a maturity of more than 5 years, no more than 50 percent of the assets may be invested in obligations having...

  16. 17 CFR 270.27d-1 - Reserve requirements for principal underwriters and depositors to carry out the obligations to...

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... underwriter has no obligation to refund any excess sales load pursuant to section 27(d) of the Act, the... and having capital and surplus of at least $10 million: Provided, That no such investment may have a maturity of more than 5 years, no more than 50 percent of the assets may be invested in obligations having...

  17. 17 CFR 270.27d-1 - Reserve requirements for principal underwriters and depositors to carry out the obligations to...

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... underwriter has no obligation to refund any excess sales load pursuant to section 27(d) of the Act, the... and having capital and surplus of at least $10 million: Provided, That no such investment may have a maturity of more than 5 years, no more than 50 percent of the assets may be invested in obligations having...

  18. Examining the existence of the underwriting cycle in managed care organizations.

    PubMed

    Brotman, B A

    2000-01-01

    This article examines the existence of the underwriting or profitability cycle in the health insurance industry. Researchers have reported that a six-year cycle exists for health care insurers. That is, three years of profits then are followed by three years of losses. This article suggests that insurers react more quickly to losses and adjust their cost structures almost immediately. Health insurers react to both expected changes and current increases in the payoff ratio.

  19. Queer(ed) risks: life insurance, HIV/AIDS, and the "gay question".

    PubMed

    Cobb, Neil

    2010-01-01

    In 2004 the Association of British Insurers (ABI) issued its second Statement of Best Practice on HIV and Insurance. This prohibited use of the "gay question" (employed by some underwriters in application forms for life insurance to identify heightened risk of infection with HIV), in response to growing criticism that the practice was actuarially unreliable, unfair to gay men, and unnecessary, given the availability of alternative "behaviour-based" risk criteria. While the overhaul of this controversial practice is clearly a victory for gay (male) identity politics, this paper argues that the interests of gay men seem to have dominated at the expense of a more far-reaching critique of the industry's evaluation of infection risk. It contends that a more radical (or "queerer") challenge is needed which can better understand and address the injustices created by criteria for appraising risk of infection that still remain in place.

  20. The status of the federal magnetic fusion program, or fusion in transition: from science to technology

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Kane, J.S.

    1983-06-01

    The current status of magnetic fusion is summarized. The science is in place; the application must be made. Government will have to underwrite the risk of the program, but the private sector must manage it. Government officials must be convinced fusion is in the interest of the taxpayer, private sector decision makers that it is commercial. Questions concerning reliability, availability, first cost, safety, environment, and sociology must be asked. Fusion energy is essentially inexhaustible, appears environmentally acceptable, and is one of a very short list of alternatives.

  1. Medical malpractice predictors and risk factors for ophthalmologists performing LASIK and PRK surgery.

    PubMed Central

    Abbott, Richard L

    2003-01-01

    PURPOSE: To identify physician predictors in laser-assisted in-situ keratomileusis (LASIK) and photorefractive keratectomy (PRK) surgery that correlate with a higher risk for malpractice liability claims and lawsuits. METHODOLOGY: A retrospective, longitudinal, cohort study comparing physician characteristics of 100 consecutive Ophthalmic Mutual Insurance Company (OMIC) LASIK and PRK claims and suits to demographic and practice pattern data for all active refractive surgeons insured by OMIC between 1996 and 2002. Background information and data were obtained from OMIC underwriting applications, a physician practice pattern survey, and claims file records. Using an outcome of whether or not a physician had a prior history of a claim or suit, logistic regression analyses were used separately for each predictor as well as controlling for refractive surgery volume. RESULTS: Logistic regression analysis demonstrated that the most important predictor of filing a claim was surgical volume, with those performing more surgery having a greater risk of incurring a claim (odds ratio [OR], 31.4 for >1,000/year versus 0 to 20/year; 95% confidence interval [CI], 7.9 - 125; P = .0001). Having one or more prior claims was the only other predictor examined that remained statistically significant after controlling for patient volume (OR, 6.4; 95% CI 2.5 - 16.4; P = .0001). Physician gender, advertising, preoperative time spent with patient, and comanagement appeared to be strong predictors in multivariate analyses when surgical volume was greater than 100 cases per year. CONCLUSION: The chances of incurring a malpractice claim or suit for PRK or LASIK correlates significantly with higher surgical volume and a history of a prior claim or suit. Additional risk factors that increase in importance with higher surgical volume include gender, advertising, preoperative time spent with patient, and comanagement with optometrists. These findings may be used in the future to help improve the quality of care for patients undergoing refractive surgery and provide data for underwriting criteria and risk management protocols to proactively manage and reduce the risk of claims and lawsuits against refractive surgeons. PMID:14971582

  2. Lift truck safety review

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Cadwallader, L.C.

    1997-03-01

    This report presents safety information about powered industrial trucks. The basic lift truck, the counterbalanced sit down rider truck, is the primary focus of the report. Lift truck engineering is briefly described, then a hazard analysis is performed on the lift truck. Case histories and accident statistics are also given. Rules and regulations about lift trucks, such as the US Occupational Safety an Health Administration laws and the Underwriter`s Laboratories standards, are discussed. Safety issues with lift trucks are reviewed, and lift truck safety and reliability are discussed. Some quantitative reliability values are given.

  3. Enact legislation supporting residential property assessed clean energy financing (PACE)

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Saha, Devashree

    Congress should enact legislation that supports residential property assessed clean energy (PACE) programs in the nation’s states and metropolitan areas. Such legislation should require the Federal Housing Finance Agency (FHFA) to allow Fannie Mae and Freddie Mac to purchase residential mortgages with PACE assessments while at the same time providing responsible underwriting standards and a set of benchmarks for residential PACE assessments in order to minimize financial risks to mortgage holders. Congressional support of residential PACE financing will improve energy efficiency, encourage job creation, and foster economic growth in the nation’s state and metropolitan areas.

  4. Financial capital and intellectual capital in physician practice management.

    PubMed

    Robinson, J C

    1998-01-01

    Medical groups need financial resources yet most retain no earnings and have no reserves. Physician practice management (PPM) companies have recognized the need for investment and the scarcity of indigenous capital in the physician sector and are rushing to fill the void. Resources are being contributed by venture capitalists, bond underwriters, private investors, pharmaceutical manufacturers, health plans, hospital systems, and public equity markets. The potential contribution of PPM firms is to nurture the intellectual capital of leading physician organizations and diffuse it throughout the health care system. The risk is that short-term financial imperatives will impede necessary long-term investments.

  5. Mutuality and solidarity: assessing risks and sharing losses.

    PubMed Central

    Wilkie, D

    1997-01-01

    Mutuality is the principle of private, commercial insurance; individuals enter the pool for sharing losses, and pay according to the best estimate of the risk they bring with them. Solidarity is the sharing of losses with payment according to some other scheme; this is the principle of state social insurance; essential features of solidarity are comprehensiveness and compulsion. Private insurance is subject to the uberrima fides principle, or utmost good faith; each side declares all it knows about the risk. The Disability Discrimination Act requires insurers to justify disability discrimination on the basis of relevant information, acturial, statistical or medical, on which it is reasonable to rely. It could be very damaging to private insurance to abandon uberrima fides. However, although some genetic information is clearly useful to underwriters, other information may be so general as to be of little use. The way in which mortality rates are assessed is also explained. PMID:9304668

  6. [MEDRISK--an expert system for medical risk assessment].

    PubMed

    Mayer-Ohly, E; Regenauer, A

    1995-10-01

    The Munich Reinsurance Company has developed a rule-based expert system for assessing substandard risk in life, disability and accidental death benefit. It is one of the most comprehensive medical expert systems yet conceived and currently includes entries for over 7500 impairment terms. Based on the most up-to-date insurance medical knowledge MEDRISK allows underwriters, irrespective of their level of experience, to process both simple and highly complex cases. The system which takes account of the interactive effect that can exist between different impairments as well as the influence which occupational factors can exert, always produces consistent and case-specific decisions. The number of impairments and types of insurance included in MEDRISK can be expanded. After tests at Munich Re and at a number of insurance companies, the system ist now ready to be launched in German speaking markets.

  7. Carbon Monoxide (CO)

    MedlinePlus

    ... burning appliances -- including furnaces, stoves, fireplaces, clothes dryers, water heaters, and space heaters -- to detect deadly carbon monoxide leaks. Underwriters' Laboratory Product Safety Tips - Carbon Monoxide Alarms ...

  8. FraudBuster: Reducing Fraud in an Auto Insurance Market.

    PubMed

    Nagrecha, Saurabh; Johnson, Reid A; Chawla, Nitesh V

    2018-03-01

    Nonstandard insurers suffer from a peculiar variant of fraud wherein an overwhelming majority of claims have the semblance of fraud. We show that state-of-the-art fraud detection performs poorly when deployed at underwriting. Our proposed framework "FraudBuster" represents a new paradigm in predicting segments of fraud at underwriting in an interpretable and regulation compliant manner. We show that the most actionable and generalizable profile of fraud is represented by market segments with high confidence of fraud and high loss ratio. We show how these segments can be reported in terms of their constituent policy traits, expected loss ratios, support, and confidence of fraud. Overall, our predictive models successfully identify fraud with an area under the precision-recall curve of 0.63 and an f-1 score of 0.769.

  9. 25 CFR 175.23 - Customer responsibilities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... National Electrical Code of the National Board of Fire Underwriters for Electric Wiring and Apparatus as they apply to the installation and operation of customer-owned equipment; (b) Be responsible for...

  10. 46 CFR 25.01-3 - Incorporation by reference.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ..., Devices Providing Backfire Flame Control for Gasoline Engines in Marine Applications, June 1989 25.35-1 Underwriter's Laboratories (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709 UL 1111, Marine...

  11. 46 CFR 25.01-3 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ..., Devices Providing Backfire Flame Control for Gasoline Engines in Marine Applications, June 1989 25.35-1 Underwriter's Laboratories (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709 UL 1111, Marine...

  12. 46 CFR 25.01-3 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Drive, Warrendale, PA 15096 SAE J-1928, Devices Providing Backfire Flame Control for Gasoline Engines in Marine Applications, June 1989 25.35-1 Underwriter's Laboratories (UL) 12 Laboratory Drive, Research...

  13. 78 FR 57162 - Agency Information Collection Activities: Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-09-17

    ... that must be capable of verification by qualified auditors. Besides determining program reimbursement...). Insurers, underwriters, third party administrators, and self-insured/self-administered employers use the...

  14. 46 CFR 25.01-3 - Incorporation by reference.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ..., PA 15096 SAE J-1928, Devices Providing Backfire Flame Control for Gasoline Engines in Marine Applications, June 1989 25.35-1 Underwriter's Laboratories (UL) 12 Laboratory Drive, Research Triangle Park, NC...

  15. 46 CFR 25.01-3 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ..., PA 15096 SAE J-1928, Devices Providing Backfire Flame Control for Gasoline Engines in Marine Applications, June 1989 25.35-1 Underwriter's Laboratories (UL) 12 Laboratory Drive, Research Triangle Park, NC...

  16. 77 FR 50674 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-08-22

    ... Guarantee Program underwrites credit extended by U.S. private banks to approved foreign banks using dollar... promotional program with aggressive marketing of the commodity in question. Without the collected information...

  17. 46 CFR 160.077-5 - Incorporation by reference.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... (NBS) “The Universal Color Language” and “The Color Names Dictionary” in Color: Universal Language and Dictionary of Names, National Bureau of Standards Special Publication 440. Underwriters Laboratories (UL) UL...

  18. 13 CFR 107.825 - Purchasing securities from an underwriter or other third party.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ADMINISTRATION SMALL BUSINESS INVESTMENT COMPANIES Financing of Small Businesses by Licensees Structuring Licensee's Financing of Eligible Small Businesses: Types of Financing § 107.825 Purchasing securities from...

  19. Bridge inspector's manual for movable bridges.

    DOT National Transportation Integrated Search

    1977-01-01

    Importance of Inspection-Movable bridges are built to the rigid specifications : of such groups as the American Association of State Highway and : Transportation Officials (AASHTO), the American Road Builders Association : (ARBA) and Underwriters Lab...

  20. 12 CFR 723.6 - What must your member business loan policy address?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... the ability of the borrower to repay the loan consistent with appropriate underwriting and due... experience, balance sheet, cash flow analysis, income statements, tax data, environmental impact assessment...

  1. Flood Insurance in Canada: Implications for Flood Management and Residential Vulnerability to Flood Hazards

    NASA Astrophysics Data System (ADS)

    Oulahen, Greg

    2015-03-01

    Insurance coverage of damage caused by overland flooding is currently not available to Canadian homeowners. As flood disaster losses and water damage claims both trend upward, insurers in Canada are considering offering residential flood coverage in order to properly underwrite the risk and extend their business. If private flood insurance is introduced in Canada, it will have implications for the current regime of public flood management and for residential vulnerability to flood hazards. This paper engages many of the competing issues surrounding the privatization of flood risk by addressing questions about whether flood insurance can be an effective tool in limiting exposure to the hazard and how it would exacerbate already unequal vulnerability. A case study investigates willingness to pay for flood insurance among residents in Metro Vancouver and how attitudes about insurance relate to other factors that determine residential vulnerability to flood hazards. Findings indicate that demand for flood insurance is part of a complex, dialectical set of determinants of vulnerability.

  2. 46 CFR 169.115 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... Exhaust Systems for Propulsion and Auxiliary Engines” (1973) H-24.9 (g) and (h)—“Fuel Strainers and Fuel...) Underwriters Laboratories, Inc. (UL), 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 19-78...

  3. 46 CFR 35.30-15 - Combustible gas indicator-TB/ALL.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... § 35.30-15 Combustible gas indicator—TB/ALL. (a) The provisions of this section shall apply only to... carried. An indicator which bears the label of Underwriters' Laboratories Inc., Factory Mutual Engineering...

  4. 12 CFR 616.6300 - Leasing policies, procedures, and underwriting standards.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... at the inception of the lease; (b) Process for estimating the leased asset's market value during the...) Classification of leases in accordance with generally accepted accounting principles; and (k) Tax treatment of...

  5. 33 CFR 127.1501 - General.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ...) WATERFRONT FACILITIES WATERFRONT FACILITIES HANDLING LIQUEFIED NATURAL GAS AND LIQUEFIED HAZARDOUS GAS Waterfront Facilities Handling Liquefied Hazardous Gas Firefighting Equipment § 127.1501 General. (a) The... applicable, of Underwriters Laboratories, Inc., Factory Mutual Research Corporation, or other independent...

  6. 33 CFR 127.1501 - General.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ...) WATERFRONT FACILITIES WATERFRONT FACILITIES HANDLING LIQUEFIED NATURAL GAS AND LIQUEFIED HAZARDOUS GAS Waterfront Facilities Handling Liquefied Hazardous Gas Firefighting Equipment § 127.1501 General. (a) The... applicable, of Underwriters Laboratories, Inc., Factory Mutual Research Corporation, or other independent...

  7. Securitization product design for China's environmental pollution liability insurance.

    PubMed

    Pu, Chengyi; Addai, Bismark; Pan, Xiaojun; Bo, Pangtuo

    2017-02-01

    The environmental catastrophic accidents in China over the last three decades have triggered implementation of myriad policies by the government to help abate environmental pollution in the country. Consequently, research into environmental pollution liability insurance and how that can stimulate economic growth and the development of financial market in China is worthwhile. This study attempts to design a financial derivative for China's environmental pollution liability insurance to offer strong financial support for significant compensation towards potential catastrophic environmental loss exposures, especially losses from the chemical industry. Assuming the risk-free interest rate is 4%, the market portfolio expected return is 12%; the financial asset beta coefficient is 0.5, by using the capital asset pricing model (CAPM) and cash flow analysis; the principal risk bond yields 9.4%, single-period and two-period prices are 103.85 and 111.58, respectively; the principal partial-risk bond yields 10.09%, single-period and two-period prices are 103.85 and 111.58, respectively; and the principal risk-free bond yields 8.94%, single-period and two-period prices are 107.99 and 115.83, respectively. This loss exposure transfer framework transfers the catastrophic risks of environmental pollution from the traditional insurance and reinsurance markets to the capital market. This strengthens the underwriting capacity of environmental pollution liability insurance companies, mitigates the compensation risks of insurers and reinsurers, and provides a new channel to transfer the risks of environmental pollution.

  8. 57. PLANS OF FOURTH AND FIFTH FLOOR ADDITIONS TO BUILDINGS ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    57. PLANS OF FOURTH AND FIFTH FLOOR ADDITIONS TO BUILDINGS No. 2 and 4, DATED JUNE 24, 1937; SCHMIDT, GARDEN AND ERICKSON, ARCHITECTS - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  9. 38 CFR 36.4352 - Authority to close loans on the automatic basis.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... (e.g., spouse, parent, grandparent, child, brother, sister, aunt, uncle or in-law) has a financial... indicate that it will not seek to influence the lender to give their loans more favorable underwriting...

  10. 38 CFR 36.4352 - Authority to close loans on the automatic basis.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... (e.g., spouse, parent, grandparent, child, brother, sister, aunt, uncle or in-law) has a financial... indicate that it will not seek to influence the lender to give their loans more favorable underwriting...

  11. 38 CFR 36.4352 - Authority to close loans on the automatic basis.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... (e.g., spouse, parent, grandparent, child, brother, sister, aunt, uncle or in-law) has a financial... indicate that it will not seek to influence the lender to give their loans more favorable underwriting...

  12. 30. GENERAL TEST ROOM IN 1946 ADDITION, FOURTH FLOOR, LOOKING ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    30. GENERAL TEST ROOM IN 1946 ADDITION, FOURTH FLOOR, LOOKING WEST. ORIGINALLY HAD SUSPENDED ACOUSTICAL CEILINGS WITH FLOURESCENT LIGHTING AND ASPHALT MASTIC TILE FLOORS - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  13. 12 CFR 211.605 - Permissible underwriting activities of foreign banks.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... foreign banks that are subject to the Bank Holding Company Act (“BHC Act”) have participated as co... constraints on the delivery of cross-border services into the United States have been eliminated since the...

  14. 12 CFR 211.605 - Permissible underwriting activities of foreign banks.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... foreign banks that are subject to the Bank Holding Company Act (“BHC Act”) have participated as co... constraints on the delivery of cross-border services into the United States have been eliminated since the...

  15. The Chargeback System: Useful Tool or Useless Hindrance?

    ERIC Educational Resources Information Center

    Dennison, Linda T.

    1985-01-01

    Presents the opinions of six corporate media managers on the accounting practice of charging corporate departments for audiovisual services rendered on individual projects and productions rather than having the corporation underwrite the audiovisual department budget. (MBR)

  16. Energy Factors in Commercial Mortgages: Gaps and Opportunities

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Mathew, Paul; Coleman, Philip; Wallace, Nancy

    2016-09-01

    The commercial real estate mortgage market is enormous, with almost half a trillion dollars in deals originated in 2015. Relative to other energy efficiency financing mechanisms, very little attention has been paid to the potential of commercial mortgages as a channel for promoting energy efficiency investments. The valuation and underwriting elements of the business are largely driven by the “net operating income” (NOI) metric – essentially, rents minus expenses. While NOI ostensibly includes all expenses, energy factors are in several ways given short shrift in the underwriting process. This is particularly interesting when juxtaposed upon a not insignificant body ofmore » research revealing that there are in fact tangible benefits (such as higher valuations and lower vacancy and default rates) for energy-efficient and “green” commercial buildings. This scoping report characterizes the current status and potential interventions to promote greater inclusion of energy factors in the commercial mortgage process.« less

  17. 13 CFR 120.952 - Fiscal agent.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... Loan Program (504) Debenture Sales and Service Agents § 120.952 Fiscal agent. SBA shall appoint a Fiscal Agent to assess the financial markets, minimize the cost of sales, arrange for the production of... performance of the Trustee and the underwriters. ...

  18. 13 CFR 120.952 - Fiscal agent.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... Loan Program (504) Debenture Sales and Service Agents § 120.952 Fiscal agent. SBA shall appoint a Fiscal Agent to assess the financial markets, minimize the cost of sales, arrange for the production of... performance of the Trustee and the underwriters. ...

  19. 60. FIFTH FLOOR PLAN, SECTIONS AND DETAILS OF 1937 ADDITION ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    60. FIFTH FLOOR PLAN, SECTIONS AND DETAILS OF 1937 ADDITION TO BUILDINGS No. 2 and 4, DATED JUNE 24, 1937: SCHMIDT, GARDEN AND ERICKSON, ARCHITECTS - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  20. 58. SECTION AND DETAILS OF FOURTH AND FIFTH FLOOR ADDITIONS ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    58. SECTION AND DETAILS OF FOURTH AND FIFTH FLOOR ADDITIONS TO BUILDINGS NO. 2 AND 4, DATED JUNE 24, 1937; SCHMIDT, GARDEN AND ERICKSON, ARCHITECTS - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  1. 59. FOURTH FLOOR PLAN, SECTIONS AND DETAILS OF 1937 ADDITION ...

    Library of Congress Historic Buildings Survey, Historic Engineering Record, Historic Landscapes Survey

    59. FOURTH FLOOR PLAN, SECTIONS AND DETAILS OF 1937 ADDITION TO BUILDINGS NO. 2 and 4, DATED JUNE 24, 1937; SCHMIDT, GARDEN AND ERICKSON, ARCHITECTS - Underwriters' Laboratories, 207-231 East Ohio Street, Chicago, Cook County, IL

  2. 2 CFR 2424.995 - Principal (HUD supplement to governmentwide definition at 2 CFR 180.995).

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... inspectors; (c) Underwriters; (d) Bonding companies; (e) Borrowers under programs financed by HUD or with... hospitals, nursing homes, and projects for the elderly financed or insured by HUD; and (t) Developers...

  3. 2 CFR 2424.995 - Principal (HUD supplement to governmentwide definition at 2 CFR 180.995).

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... inspectors; (c) Underwriters; (d) Bonding companies; (e) Borrowers under programs financed by HUD or with... hospitals, nursing homes, and projects for the elderly financed or insured by HUD; and (t) Developers...

  4. 2 CFR 2424.995 - Principal (HUD supplement to governmentwide definition at 2 CFR 180.995).

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... inspectors; (c) Underwriters; (d) Bonding companies; (e) Borrowers under programs financed by HUD or with... hospitals, nursing homes, and projects for the elderly financed or insured by HUD; and (t) Developers...

  5. 24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ...: (1) The Borrower's ability to pay debt service; and (2) The value of the collateral assigned or... need, as determined by a needs analysis of the most current available date conducted by HUD. (g) Other...

  6. 24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ...: (1) The Borrower's ability to pay debt service; and (2) The value of the collateral assigned or... need, as determined by a needs analysis of the most current available date conducted by HUD. (g) Other...

  7. 24 CFR 573.5 - Underwriting standards and availability of loan guarantee assistance.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ...: (1) The Borrower's ability to pay debt service; and (2) The value of the collateral assigned or... need, as determined by a needs analysis of the most current available date conducted by HUD. (g) Other...

  8. Uncertainty in surface water flood risk modelling

    NASA Astrophysics Data System (ADS)

    Butler, J. B.; Martin, D. N.; Roberts, E.; Domuah, R.

    2009-04-01

    Two thirds of the flooding that occurred in the UK during summer 2007 was as a result of surface water (otherwise known as ‘pluvial') rather than river or coastal flooding. In response, the Environment Agency and Interim Pitt Reviews have highlighted the need for surface water risk mapping and warning tools to identify, and prepare for, flooding induced by heavy rainfall events. This need is compounded by the likely increase in rainfall intensities due to climate change. The Association of British Insurers has called for the Environment Agency to commission nationwide flood risk maps showing the relative risk of flooding from all sources. At the wider European scale, the recently-published EC Directive on the assessment and management of flood risks will require Member States to evaluate, map and model flood risk from a variety of sources. As such, there is now a clear and immediate requirement for the development of techniques for assessing and managing surface water flood risk across large areas. This paper describes an approach for integrating rainfall, drainage network and high-resolution topographic data using Flowroute™, a high-resolution flood mapping and modelling platform, to produce deterministic surface water flood risk maps. Information is provided from UK case studies to enable assessment and validation of modelled results using historical flood information and insurance claims data. Flowroute was co-developed with flood scientists at Cambridge University specifically to simulate river dynamics and floodplain inundation in complex, congested urban areas in a highly computationally efficient manner. It utilises high-resolution topographic information to route flows around individual buildings so as to enable the prediction of flood depths, extents, durations and velocities. As such, the model forms an ideal platform for the development of surface water flood risk modelling and mapping capabilities. The 2-dimensional component of Flowroute employs uniform flow formulae (Manning's Equation) to direct flow over the model domain, sourcing water from the channel or sea so as to provide a detailed representation of river and coastal flood risk. The initial development step was to include spatially-distributed rainfall as a new source term within the model domain. This required optimisation to improve computational efficiency, given the ubiquity of ‘wet' cells early on in the simulation. Collaboration with UK water companies has provided detailed drainage information, and from this a simplified representation of the drainage system has been included in the model via the inclusion of sinks and sources of water from the drainage network. This approach has clear advantages relative to a fully coupled method both in terms of reduced input data requirements and computational overhead. Further, given the difficulties associated with obtaining drainage information over large areas, tests were conducted to evaluate uncertainties associated with excluding drainage information and the impact that this has upon flood model predictions. This information can be used, for example, to inform insurance underwriting strategies and loss estimation as well as for emergency response and planning purposes. The Flowroute surface-water flood risk platform enables efficient mapping of areas sensitive to flooding from high-intensity rainfall events due to topography and drainage infrastructure. As such, the technology has widespread potential for use as a risk mapping tool by the UK Environment Agency, European Member States, water authorities, local governments and the insurance industry. Keywords: Surface water flooding, Model Uncertainty, Insurance Underwriting, Flood inundation modelling, Risk mapping.

  9. [Demography and development in the Sahel. The major challenges of the 21st century are already there].

    PubMed

    Ignegongba, K

    1992-07-01

    In the early 1990s, Sahelian governments resolved to carry out direct demographic activities. Many issues essential for development and, in some cases, for the satisfaction of basic needs revolve around education, health, food, environment, employment, and urbanization. The total primary school attendance rate for the nine Sahelian countries is about 40%. The failure of the education system is translated into almost systematic unemployment of graduates and very great ineffectiveness. Education should be adapted to economic conditions and development so as to actually lead to production. For example, it should train persons for agricultural and livestock production. Governments should mobilize necessary resources to improve the quality of education. The current poor health indicators require Sahelian governments in the future to invest and underwrite much to keep up with the rising rate of population growth. Otherwise, young children will always pay the heaviest debt. The impact of AIDS on health resources will risk turning attention away from other fatal diseases. Soil degradation and reduced rainfall make the Sahel depend on the importation of food products. The Sahel must find ways to reduce this dependence or it will perish while waiting for international generosity. Agricultural and pastoral modes of production are expanding the desert. Sahelians must again find harmony between themselves and their milieu. Youth cannot find jobs. Governments and businesses cut staff to meet conditions of structural adjustment programs. When one worker supports more than 10 persons, the employment problem favors poverty and rising corruption. Soil degradation and low incomes in rural areas, which offer no hope of social promotion, are the chief causes of rural-urban migration in the Sahel. The capacity of Sahelian countries to support improvement in rural areas remains a key to many problems, including food self-sufficiency.

  10. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  11. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  12. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (for proposed construction only), or a Department of Veterans Affairs certificate of reasonable value... by the Secretary, for proposed construction cases; (5) An underwriter certification, on a form... credit application (including the analysis performed on the worksheets) and that the proposed mortgage...

  13. Insurance Renewal Tips.

    ERIC Educational Resources Information Center

    Madsen, Claudina

    1990-01-01

    College business officers should take advantage of the industry's market to prepare their institutions for an upcoming hard market. Steps to be taken include evaluating the insurance broker; meeting with the company underwriter; negotiating; considering a renewal contract; negotiating pooling mechanisms; lowering deductibles; and implementing…

  14. 12 CFR 362.8 - Restrictions on activities of insured state nonmember banks affiliated with certain securities...

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ..., distribution or underwriting of stocks, bonds, debentures, notes, or other securities activity, of a type not... conducts retail sales activity with the public is physically distinct from the routine deposit taking area...

  15. 12 CFR 362.8 - Restrictions on activities of insured state nonmember banks affiliated with certain securities...

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ..., distribution or underwriting of stocks, bonds, debentures, notes, or other securities activity, of a type not... conducts retail sales activity with the public is physically distinct from the routine deposit taking area...

  16. From Neckties to Nikes.

    ERIC Educational Resources Information Center

    Wolfson, Leslie J.

    1990-01-01

    Alumni professionals discuss starting an alumni merchandising program. Successful merchandising should address several needs including promotion of institutional pride and alumni commitment, provision of a service to alumni, and fund raising to underwrite alumni activities. Establishing guidelines, learning the market, inhouse sales, and outside…

  17. 13 CFR 120.883 - Eligible administrative costs for 504 loans.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ...) CDC processing fee; (d) Borrower's out-of-pocket costs associated with 504 loan and Debenture closing...) CDC Closing Fee (see § 120.971(a)(2)) up to a maximum of $2,500; and (f) Underwriters' fee. [64 FR...

  18. 13 CFR 120.883 - Eligible administrative costs for 504 loans.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ...) CDC processing fee; (d) Borrower's out-of-pocket costs associated with 504 loan and Debenture closing...) CDC Closing Fee (see § 120.971(a)(2)) up to a maximum of $2,500; and (f) Underwriters' fee. [64 FR...

  19. 13 CFR 120.883 - Eligible administrative costs for 504 loans.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ...) CDC processing fee; (d) Borrower's out-of-pocket costs associated with 504 loan and Debenture closing...) CDC Closing Fee (see § 120.971(a)(2)) up to a maximum of $2,500; and (f) Underwriters' fee. [64 FR...

  20. 13 CFR 120.883 - Eligible administrative costs for 504 loans.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ...) CDC processing fee; (d) Borrower's out-of-pocket costs associated with 504 loan and Debenture closing...) CDC Closing Fee (see § 120.971(a)(2)) up to a maximum of $2,500; and (f) Underwriters' fee. [64 FR...

  1. 13 CFR 120.883 - Eligible administrative costs for 504 loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ...) CDC processing fee; (d) Borrower's out-of-pocket costs associated with 504 loan and Debenture closing...) CDC Closing Fee (see § 120.971(a)(2)) up to a maximum of $2,500; and (f) Underwriters' fee. [64 FR...

  2. Decision Making, Models of Mind, and the New Cognitive Science.

    ERIC Educational Resources Information Center

    Evers, Colin W.

    1998-01-01

    Explores implications for understanding educational decision making from a cognitive science perspective. Examines three models of mind providing the methodological framework for decision-making studies. The "absent mind" embodies the behaviorist research tradition. The "functionalist mind" underwrites traditional cognitivism…

  3. Sandia Dynamic Materials Program Strategic Plan.

    DOE Office of Scientific and Technical Information (OSTI.GOV)

    Flicker, Dawn Gustine; Benage, John F.; Desjarlais, Michael P.

    2017-05-01

    Materials in nuclear and conventional weapons can reach multi-megabar pressures and 1000s of degree temperatures on timescales ranging from microseconds to nanoseconds. Understanding the response of complex materials under these conditions is important for designing and assessing changes to nuclear weapons. In the next few decades, a major concern will be evaluating the behavior of aging materials and remanufactured components. The science to enable the program to underwrite decisions quickly and confidently on use, remanufacturing, and replacement of these materials will be critical to NNSA’s new Stockpile Responsiveness Program. Material response is also important for assessing the risks posed bymore » adversaries or proliferants. Dynamic materials research, which refers to the use of high-speed experiments to produce extreme conditions in matter, is an important part of NNSA’s Stockpile Stewardship Program.« less

  4. 24 CFR 4001.116 - Representations and prohibitions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 5 2012-04-01 2012-04-01 false Representations and prohibitions... Eligibility Requirements and Underwriting Procedures § 4001.116 Representations and prohibitions. (a... actual knowledge furnished material information known to be false for the purpose of obtaining the...

  5. 24 CFR 4001.116 - Representations and prohibitions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Representations and prohibitions... Eligibility Requirements and Underwriting Procedures § 4001.116 Representations and prohibitions. (a... actual knowledge furnished material information known to be false for the purpose of obtaining the...

  6. 24 CFR 4001.116 - Representations and prohibitions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 5 2011-04-01 2011-04-01 false Representations and prohibitions... Eligibility Requirements and Underwriting Procedures § 4001.116 Representations and prohibitions. (a... actual knowledge furnished material information known to be false for the purpose of obtaining the...

  7. 77 FR 41107 - Enterprise Underwriting Standards

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-07-12

    ...), relating to mortgage assets affected by Property Assessed Clean Energy (PACE) programs. The comment period... INFORMATION CONTACT: Alfred M. Pollard, General Counsel, (202) 649-3050 (not a toll-free number), Federal... for the Telecommunications Device for the Hearing Impaired is (800) 877-8339. SUPPLEMENTARY...

  8. 77 FR 35245 - Substantially Underserved Trust Areas (SUTA)

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-13

    ... projects with the greatest need, financial analysis and underwriting will continue to be used to determine... Utilities Service (RUS) is issuing regulations related to loans and grants to finance the construction... INFORMATION CONTACT: Michele Brooks, Director, Program Development and Regulatory Analysis, Rural Utilities...

  9. 24 CFR 570.482 - Eligible activities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (Continued) OFFICE OF ASSISTANT SECRETARY FOR COMMUNITY PLANNING AND DEVELOPMENT, DEPARTMENT OF HOUSING AND... CDBG financial assistance to a for-profit business. (2) Objectives. The underwriting guidelines are... microenterprise or other small business to take into account the differences in the capacity and level of...

  10. 76 FR 73741 - Submission for OMB Review; Comments Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-29

    ... for project financing and collect information for financial underwriting analysis. Dated: November 21... Request: Revised form. Title: Application for Project Finance. Form Number: OPIC-115. Frequency of Use: Once per investor per project. Type of Respondents: Business or other institution (except farms...

  11. 77 FR 4373 - Submission for OMB Review; Comments Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-01-27

    ... for project financing and collect information for financial underwriting analysis. Dated: January 20... Request: Revised form. Title: Application for Project Finance. Form Number: OPIC-115. Frequency of Use: Once per investor per project. Type of Respondents: Business or other institution (except farms...

  12. 24 CFR 203.51 - Applicability.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE... conditional commitment or master conditional commitment issued on or after September 24, 1990; or (2) In accordance with the Direct Endorsement program, if the underwriter of the mortgagee signs the appraisal...

  13. 24 CFR 203.51 - Applicability.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE... conditional commitment or master conditional commitment issued on or after September 24, 1990; or (2) In accordance with the Direct Endorsement program, if the underwriter of the mortgagee signs the appraisal...

  14. NACUBO Report: Institutions Scramble for Insurance Coverage.

    ERIC Educational Resources Information Center

    Denton, Laurie R.

    1985-01-01

    Colleges and universities are facing difficult choices as insurance companies cancel coverage or demand premium increases of up to 800 percent. The current crisis is blamed on the way the industry has been managed. Financial managers, rather than underwriters, took over the industry. (MLW)

  15. 7 CFR 400.309 - Requests for reconsideration.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... classification becomes effective. The request will be considered to have been made when received, in writing, by..., DEPARTMENT OF AGRICULTURE GENERAL ADMINISTRATIVE REGULATIONS Non-Standard Underwriting Classification System... be assigned a nonstandard classification under this subpart will be notified of and allowed not less...

  16. 7 CFR 400.309 - Requests for reconsideration.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... classification becomes effective. The request will be considered to have been made when received, in writing, by..., DEPARTMENT OF AGRICULTURE GENERAL ADMINISTRATIVE REGULATIONS Non-Standard Underwriting Classification System... be assigned a nonstandard classification under this subpart will be notified of and allowed not less...

  17. 7 CFR 400.302 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... AGRICULTURE GENERAL ADMINISTRATIVE REGULATIONS Non-Standard Underwriting Classification System Regulations for... the total production to count as defined in the insurance policy, divided by insured acres. Assigned.... Entity—means a person as defined in this subpart other than an individual. Indemnified loss means a loss...

  18. Smoke Detector Technology.

    ERIC Educational Resources Information Center

    Powell, Pamela, Ed.; Portugill, Jestyn, Ed.

    This manual, one in a series developed for public education, provides information on smoke detector selection, installation, operation, and maintenance. For the prospective buyer, the importance of looking for the seal of a recognized national testing laboratory--such as Underwriters' Laboratories, Inc. (UL)--indicating adequate laboratory testing…

  19. Gorgias's "Encomium of Helen": Violent Rhetoric or Radical Feminism?

    ERIC Educational Resources Information Center

    Crockett, Andy

    1994-01-01

    Offers a poststructuralist feminist reading of the "Encomium" that also attempts to explore its cultural and historical contexts. Aims to gain an appreciation for Gorgias' task and tap into the collective or "monumental" discourse foundation that underwrites the whole situation. (RS)

  20. 24 CFR 203.5 - Direct Endorsement process.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Direct Endorsement process. 203.5... SINGLE FAMILY MORTGAGE INSURANCE Eligibility Requirements and Underwriting Procedures Direct Endorsement, Lender Insurance, and Commitments § 203.5 Direct Endorsement process. (a) General. Under the Direct...

  1. Life expectancy--a commentary on this life table variable.

    PubMed

    Singer, Richard B

    2005-01-01

    In 1992, I wrote an article on a method of modifying the Decennial US Life Table to accommodate any pattern of excess mortality expressed in terms of excess death rate (EDR), for the specific purpose of calculating the reduced life expectancy, e. I believe this was the first article published in the Journal of Insurance Medicine (JIM) that dealt specifically with life expectancy as an index of survival and risk appraisal, never used in the classification of extra mortality risk in applicants for life insurance. In this commentary, I discuss the 1989-91 US Decennial Life Table in detail. I link the subject matter of the 1992 article with several more recent articles that also focus on the utility of life expectancy in underwriting structured settlement annuities and preparing reports on life expectancy for an attorney in a tort case. A few references are given for further reading on life table methodology and its use in the most accurate estimate of life expectancy, given the inherent limitations of the life table and the limited duration of follow-up studies.

  2. 78 FR 46295 - Enterprise Underwriting Standards

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-31

    ...), (together, the Enterprises) relating to mortgage assets affected by Property Assessed Clean Energy (PACE.... FOR FURTHER INFORMATION CONTACT: Alfred M. Pollard, General Counsel, (202) 649-3050 (not a toll-free...., Washington, DC 20024. The telephone number for the Telecommunications Device for the Hearing Impaired is (800...

  3. 26 CFR 1.826-7 - Examples.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

  4. 26 CFR 1.826-7 - Examples.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

  5. 26 CFR 1.826-7 - Examples.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

  6. 26 CFR 1.826-7 - Examples.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or Premium... deduction 4 Underwriting gain 0 Mutual insurance company taxable income 0 Unused loss 22 Credit or refund...

  7. 24 CFR 203.200 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... FAMILY MORTGAGE INSURANCE Eligibility Requirements and Underwriting Procedures Insured Ten-Year... covered by an insured ten-year protection plan that are attributable to poor workmanship or to the use of... obligations by one or more insurance companies. Insured ten-year protection plan or Plan means an agreement...

  8. 77 FR 36085 - Enterprise Underwriting Standards

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-15

    ... National Laboratory showed that homes with solar PV systems had an average $17,000 sales price premium... projects, such as solar panels, insulation, energy-efficient windows, and other technologies. Homeowners... Berkeley National Laboratory * * * showed an average $17,000 sales price premium for homes with solar P...

  9. 24 CFR 4001.112 - Income verification.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Income verification. 4001.112... Requirements and Underwriting Procedures § 4001.112 Income verification. The mortgagee shall use FHA's procedures to verify the mortgagor's income and shall comply with the following additional requirements: (a...

  10. 24 CFR 203.43 - Eligibility of miscellaneous type mortgages.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Eligibility Requirements and Underwriting Procedures Eligible... the construction, operation, and maintenance of Grand Coulee Dam and its appurtenant works or of any..., and prior to February 1, 1955) their families and others: Provided, That the principal obligation of a...

  11. 46 CFR 162.017-6 - Procedure for approval.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... screens. (c) Pre-approval tests. Before approval is granted, the manufacturer shall have tests conducted, or submit evidence that such tests have been conducted, by the Underwriters' Laboratories, the... design or type of pressure-vacuum relief valve shall submit drawings in quadruplicate showing the design...

  12. 46 CFR 162.017-6 - Procedure for approval.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... screens. (c) Pre-approval tests. Before approval is granted, the manufacturer shall have tests conducted, or submit evidence that such tests have been conducted, by the Underwriters' Laboratories, the... design or type of pressure-vacuum relief valve shall submit drawings in quadruplicate showing the design...

  13. 46 CFR 160.076-11 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... the public. All approved material is available for inspection at the National Archives and Records Administration (NARA) and at Coast Guard Headquarters. Contact Commandant (CG-ENG-4), Attn: Lifesaving and Fire.../federal_register/code_of_federal_regulations/ibr_locations.html. (b) Underwriters Laboratories (UL...

  14. 46 CFR 160.076-11 - Incorporation by reference.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... the public. All approved material is available for inspection at the National Archives and Records Administration (NARA) and at Coast Guard Headquarters. Contact Commandant (CG-ENG-4), Attn: Lifesaving and Fire.../federal_register/code_of_federal_regulations/ibr_locations.html. (b) Underwriters Laboratories (UL...

  15. 17 CFR 210.12-18 - Supplemental information (for property-casualty insurance underwriters).

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... consolidated financial statements. 2 Present combined or consolidated amounts, as appropriate for each category... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES... 1 Information included in audited financial statements, including other schedules, need not be...

  16. 13 CFR 307.9 - Revolving Loan Fund Plan.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... lending area under § 307.18, a change in critical management staff, or a change to the strategic purpose...-approved economic development plan, if applicable, for the Region. (2) The Plan must identify the strategic... management procedures, including loan processing, underwriting, closing, disbursements, collections...

  17. 28 CFR 25.52 - Definitions.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ..., possessing, handling, directing, or controlling. Automobile has the same meaning given that term in 49 U.S.C. 32901(a). Certificate of title means a document issued by a state showing ownership of an automobile. Insurance carrier means an individual or entity engaged in the business of underwriting automobile insurance...

  18. 28 CFR 25.52 - Definitions.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ..., possessing, handling, directing, or controlling. Automobile has the same meaning given that term in 49 U.S.C. 32901(a). Certificate of title means a document issued by a state showing ownership of an automobile. Insurance carrier means an individual or entity engaged in the business of underwriting automobile insurance...

  19. 28 CFR 25.52 - Definitions.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ..., possessing, handling, directing, or controlling. Automobile has the same meaning given that term in 49 U.S.C. 32901(a). Certificate of title means a document issued by a state showing ownership of an automobile. Insurance carrier means an individual or entity engaged in the business of underwriting automobile insurance...

  20. 28 CFR 25.52 - Definitions.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ..., possessing, handling, directing, or controlling. Automobile has the same meaning given that term in 49 U.S.C. 32901(a). Certificate of title means a document issued by a state showing ownership of an automobile. Insurance carrier means an individual or entity engaged in the business of underwriting automobile insurance...

  1. 28 CFR 25.52 - Definitions.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ..., possessing, handling, directing, or controlling. Automobile has the same meaning given that term in 49 U.S.C. 32901(a). Certificate of title means a document issued by a state showing ownership of an automobile. Insurance carrier means an individual or entity engaged in the business of underwriting automobile insurance...

  2. 13 CFR 115.21 - Audits and investigations.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... under the bond, and any other trust accounts, and any reconciliations of such accounts; (9) Job status reports received from Obligees and documentation of each unanswered request for a job status report; and...'s underwriting and credit analysis, its documentation of claims and claims settlement procedures and...

  3. 78 FR 25627 - Energy Conservation Program for Certain Industrial Equipment: Energy Conservation Standards for...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-05-02

    ...-fired furnaces, Underwriters Laboratories (UL) Standard 727-1994, ``Standard for Safety for Oil-Fired... supplementary method called a catalog teardown (or ``virtual teardown'') uses published manufacturer catalogs... similar products and in manufacturer literature and information, to estimate the costs using virtual...

  4. 12 CFR 618.8040 - Authorized insurance services.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... basis, credit or term life and credit disability insurance appropriate to protect the loan commitment in... adverse effect on the credit or other operations of the bank or association; and (v) In making insurance... by receipt of commissions or gifts from underwriting insurance companies. However, employees may...

  5. 10 CFR 609.11 - Lender eligibility and servicing requirements.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... 10 Energy 4 2011-01-01 2011-01-01 false Lender eligibility and servicing requirements. 609.11 Section 609.11 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS... underwriter by presenting evidence of its participation in large commercial projects or energy-related...

  6. 10 CFR 609.11 - Lender eligibility and servicing requirements.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 10 Energy 4 2014-01-01 2014-01-01 false Lender eligibility and servicing requirements. 609.11 Section 609.11 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS... underwriter by presenting evidence of its participation in large commercial projects or energy-related...

  7. 10 CFR 609.11 - Lender eligibility and servicing requirements.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 10 Energy 4 2013-01-01 2013-01-01 false Lender eligibility and servicing requirements. 609.11 Section 609.11 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS... underwriter by presenting evidence of its participation in large commercial projects or energy-related...

  8. 10 CFR 609.11 - Lender eligibility and servicing requirements.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 10 Energy 4 2012-01-01 2012-01-01 false Lender eligibility and servicing requirements. 609.11 Section 609.11 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS... underwriter by presenting evidence of its participation in large commercial projects or energy-related...

  9. 10 CFR 609.11 - Lender eligibility and servicing requirements.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... 10 Energy 4 2010-01-01 2010-01-01 false Lender eligibility and servicing requirements. 609.11 Section 609.11 Energy DEPARTMENT OF ENERGY (CONTINUED) ASSISTANCE REGULATIONS LOAN GUARANTEES FOR PROJECTS... underwriter by presenting evidence of its participation in large commercial projects or energy-related...

  10. 17 CFR 229.508 - (Item 508) Plan of distribution.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... information is not available when the registration statement is filed. (k) Passive market making. If the underwriters or any selling group members intend to engage in passive market making transactions as permitted... passive market making. (l) Stabilization and other transactions. (1) Briefly describe any transaction that...

  11. 17 CFR 229.508 - (Item 508) Plan of distribution.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... information is not available when the registration statement is filed. (k) Passive market making. If the underwriters or any selling group members intend to engage in passive market making transactions as permitted... passive market making. (l) Stabilization and other transactions. (1) Briefly describe any transaction that...

  12. 17 CFR 229.508 - (Item 508) Plan of distribution.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... information is not available when the registration statement is filed. (k) Passive market making. If the underwriters or any selling group members intend to engage in passive market making transactions as permitted... passive market making. (l) Stabilization and other transactions. (1) Briefly describe any transaction that...

  13. 17 CFR 229.508 - (Item 508) Plan of distribution.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... information is not available when the registration statement is filed. (k) Passive market making. If the underwriters or any selling group members intend to engage in passive market making transactions as permitted... passive market making. (l) Stabilization and other transactions. (1) Briefly describe any transaction that...

  14. 17 CFR 229.508 - (Item 508) Plan of distribution.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... information is not available when the registration statement is filed. (k) Passive market making. If the underwriters or any selling group members intend to engage in passive market making transactions as permitted... passive market making. (l) Stabilization and other transactions. (1) Briefly describe any transaction that...

  15. Real Estate Underwriting Discrimination and Neighborhood Change: Their Impact on Education

    ERIC Educational Resources Information Center

    Bradford, Calvin

    1977-01-01

    Redlining undermines the neighborhood schools in the city and erodes the tax base for education. It also helps to provide a place for the higher social classes to flee, robbing the city of the populations essential for creating diverse school systems. (Author/AM)

  16. Shared resources : sharing right-of-way for telecommunications : identification, review and analysis of legal and institutional issues

    DOT National Transportation Integrated Search

    1996-04-01

    This report presents the results of research on the institutional and non-technical issues related to shared resource projects. Shared resource projects are a particular form of public-private partnering that may help public agencies underwrite their...

  17. 46 CFR 249.10 - Non-discrimination policy.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false Non-discrimination policy. 249.10 Section 249.10... OPERATORS APPROVAL OF UNDERWRITERS FOR MARINE HULL INSURANCE § 249.10 Non-discrimination policy. To administer effectively the policy regarding non-discrimination against U.S. insurers in other countries, as...

  18. 48 CFR 1631.205-76 - Trade, business, technical, and professional activity costs.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 48 Federal Acquisition Regulations System 6 2010-10-01 2010-10-01 true Trade, business, technical....205-76 Trade, business, technical, and professional activity costs. (a) FEHBP participating plans, carriers, and underwriters shall seek the advance written approval of the contracting officer for...

  19. 24 CFR 203.255 - Insurance of mortgage.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... prescribed by the Secretary, stating that the underwriter has personally reviewed the appraisal report and..., reports and loan samples that enable FHA to evaluate program operation; (3) Not use TOTAL to direct... algorithm in TOTAL; (5) Not provide feedback messages that conflict with the Equal Credit Opportunity Act...

  20. 46 CFR 160.171-3 - Incorporation by reference.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... at Coast Guard Headquarters. Contact Commandant (CG-ENG-4), Attn: Lifesaving and Fire Safety Division... Building, Room 6039, 7th and D Streets SW, Washington, DC 20407. National Bureau of Standards Special... January 25, 1965. Underwriters Laboratories, Inc. 12 Laboratory Drive, Research Triangle Park, NC 27709...

  1. 46 CFR 160.171-3 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... at Coast Guard Headquarters. Contact Commandant (CG-ENG-4), Attn: Lifesaving and Fire Safety Division... Building, Room 6039, 7th and D Streets SW, Washington, DC 20407. National Bureau of Standards Special... January 25, 1965. Underwriters Laboratories, Inc. 12 Laboratory Drive, Research Triangle Park, NC 27709...

  2. 46 CFR 129.380 - Overcurrent protection.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... emergency switch must be provided in each normally ungrounded main supply conductor from a battery. The switch must be accessible from the battery and located as close as practicable to it. (j) No grounded... type and be listed by Underwriters Laboratories (UL) or another independent laboratory recognized by...

  3. 46 CFR 129.380 - Overcurrent protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... emergency switch must be provided in each normally ungrounded main supply conductor from a battery. The switch must be accessible from the battery and located as close as practicable to it. (j) No grounded... type and be listed by Underwriters Laboratories (UL) or another independent laboratory recognized by...

  4. 46 CFR 120.380 - Overcurrent protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must be provided on the supply side... of the cartridge type only and be listed by Underwriters Laboratories or another independent...

  5. 46 CFR 120.380 - Overcurrent protection.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must be provided on the supply side... of the cartridge type only and be listed by Underwriters Laboratories or another independent...

  6. 46 CFR 129.380 - Overcurrent protection.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... emergency switch must be provided in each normally ungrounded main supply conductor from a battery. The switch must be accessible from the battery and located as close as practicable to it. (j) No grounded... type and be listed by Underwriters Laboratories (UL) or another independent laboratory recognized by...

  7. 46 CFR 120.380 - Overcurrent protection.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must be provided on the supply side... of the cartridge type only and be listed by Underwriters Laboratories or another independent...

  8. 46 CFR 129.380 - Overcurrent protection.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... emergency switch must be provided in each normally ungrounded main supply conductor from a battery. The switch must be accessible from the battery and located as close as practicable to it. (j) No grounded... type and be listed by Underwriters Laboratories (UL) or another independent laboratory recognized by...

  9. 13 CFR 500.207 - Application evaluation.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... upon the following evaluation factors, in order of importance: (1) The ability of the Borrower to repay... (3) Adequacy of the underwriting analysis performed by the Lender in preparing the application and the ability of the Lender to administer the loan in full compliance with the requisite standard of...

  10. 13 CFR 500.207 - Application evaluation.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... upon the following evaluation factors, in order of importance: (1) The ability of the Borrower to repay... (3) Adequacy of the underwriting analysis performed by the Lender in preparing the application and the ability of the Lender to administer the loan in full compliance with the requisite standard of...

  11. 13 CFR 500.207 - Application evaluation.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... upon the following evaluation factors, in order of importance: (1) The ability of the Borrower to repay... (3) Adequacy of the underwriting analysis performed by the Lender in preparing the application and the ability of the Lender to administer the loan in full compliance with the requisite standard of...

  12. 13 CFR 500.207 - Application evaluation.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... upon the following evaluation factors, in order of importance: (1) The ability of the Borrower to repay... (3) Adequacy of the underwriting analysis performed by the Lender in preparing the application and the ability of the Lender to administer the loan in full compliance with the requisite standard of...

  13. 13 CFR 500.207 - Application evaluation.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... upon the following evaluation factors, in order of importance: (1) The ability of the Borrower to repay... (3) Adequacy of the underwriting analysis performed by the Lender in preparing the application and the ability of the Lender to administer the loan in full compliance with the requisite standard of...

  14. 12 CFR 128.9 - Guidelines relating to nondiscrimination in lending.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... marital status. Loan underwriting decisions must be based on an applicant's credit history and present and... differences in creditworthiness between married and unmarried individuals, or between men and women. (2... of opportunities for home financing. (5) Applicant's prior history. Loan decisions should be based...

  15. 12 CFR 128.9 - Guidelines relating to nondiscrimination in lending.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... marital status. Loan underwriting decisions must be based on an applicant's credit history and present and... differences in creditworthiness between married and unmarried individuals, or between men and women. (2... of opportunities for home financing. (5) Applicant's prior history. Loan decisions should be based...

  16. 12 CFR 528.9 - Guidelines relating to nondiscrimination in lending.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... marital status. Loan underwriting decisions must be based on an applicant's credit history and present and... differences in creditworthiness between married and unmarried individuals, or between men and women. (2... of opportunities for home financing. (5) Applicant's prior history. Loan decisions should be based...

  17. Of magic wands and kaleidoscopes: fixing problems in the individual market.

    PubMed

    Hall, Mark A

    2002-01-01

    Policy analysts sometimes imagine that problems in the individual market can be fixed by waving a magic wand that makes the individual market function more like the group market. However, prior studies reveal that purchasing cooperatives fail to achieve substantial economies of scale; market reforms that reduce the impact of medical underwriting are difficult to implement in the individual market; and it may not be as easy as imagined to induce people to purchase over the Internet or from new or smaller companies that are at higher risk for exiting the market. The best solution is to limit the use of subsidies to certain purchasing options, such as with purchasing cooperatives that abide by rating, issuance, and renewability rules. What is not acceptable is to hand people subsidies and send them to the unstructured and relatively unregulated individual market, nor will it work to give people unhindered choice between two basically different market segments.

  18. Health programs at risk in wake of '84 election.

    PubMed

    Iglehart, J K

    1985-01-01

    President Ronald Reagan's reelection suggests that government will continue to promote policies that favor marketplace allocation of medical care resources and that it will continue to cut social welfare programs, particularly health programs for the elderly and the poor. Unlike previous administrations, which focused on controlling private and public health care costs, President Reagan has targeted Medicare and Medicaid expenditures--a policy which has caused substantial cost shifting to underwrite hospitals' uncompensated and undercompensated care. Physician payment policies likely will receive the greatest attention in spending reduction efforts. Congress, as it showed in the president's first term, can cut spending sharply. Its task, however, has been complicated by the president's campaign declaration that defense spending and Social Security benefits were off-limits. Expected to lead health care debate on Capitol Hill are Sens. Albert Gore, Jr., D-TN, and Phil Gramm, R-TX, and Rep. James Jones, D-OK.

  19. Having it all: national benefit equity and local payment parity in Medicare.

    PubMed

    Dowd, Bryan; Feldman, Roger

    2002-01-01

    The Medicare Payment Advisory Commission (MedPAC) has identified two important problems with the Medicare+Choice (M+C) program: nationwide geographic inequity in government-financed benefits, and unequal government payments for M+C plans versus fee-for-service (FFS) Medicare in the same market area. MedPAC concludes that both problems cannot be solved simultaneously. We argue that both problems could be solved if Congress discontinued its policy of underwriting the cost of FFS Medicare. Instead, Congress should define a national entitlement benefit package and have all health plans submit bids on the package in each market area. The government's premium contribution should be equal to the lowest bid submitted by a qualified health plan in each market area. The contribution could be adjusted for health risk, the special obligations of FFS Medicare, and welfare enhancements associated with FFS Medicare that are valued by both beneficiaries and taxpayers but unrelated to beneficiaries' health status.

  20. Near-maximal ECG stress testing and coronary artery disease risk factor analysis in Los Angeles City fire fighters.

    PubMed

    Barnard, R J; Gardner, G W; Diaco, N V; Kattus, A A

    1975-11-01

    Near-maximal ECG stress testing and coronary artery disease risk factor analysis including blood pressure, serum cholesterol and smoking habits were conducted on a randomly selected group (N=90) of Los Angeles City Fire Fighters ranging in age from 40 to 59 yrs. The data obtained from the fire fighters were compared to data previously reported for a group of Los Angeles insurance underwriters of the same age range. Only 12% of the fire fighters had cholesterol values greater than 260 mg% while 18% of the insurance executives fell into this category. Only 2% of the fire fighters had blood pressure values greater than 160/90 mm Hg while 25% of the insurance executives were hypertensive. Thirty-two percent of the fire fighters were smokers at the time of testing as compared to 26% for the insurance executives. Only one fire fighter had all three risk factors elevated and only five had two risk factors elevated. Forty-seven of the fire fighters had no risk factors elevated. Ten percent of the fire fighters had ischemic stress tests as compared to 8% for the insurance executives. Of the nine fire fighters with ischemic stress tests one was hypertensive, one had elevated serum triglycerides, and three were smokers at the time of testing. Since the fire fighters are a medically-selected population with low risk factors for CHD, the observed incidence of ischemic stress tests is surprising and suggests that ischemic heart disease may be job associated.

  1. Correlations Between Extreme Atmospheric Hazards and Global Teleconnections: Implications for Multihazard Resilience

    NASA Astrophysics Data System (ADS)

    Steptoe, H.; Jones, S. E. O.; Fox, H.

    2018-03-01

    Occurrences of concurrent extreme atmospheric hazards represent a significant area of uncertainty for organizations involved in disaster mitigation and risk management. Understanding risks posed by natural disasters and their relationship with global climate drivers is crucial in preparing for extreme events. In this review we quantify the strength of the physical mechanisms linking hazards and atmosphere-ocean processes. We demonstrate how research from the science community may be used to support disaster risk reduction and global sustainable development efforts. We examine peer-reviewed literature connecting 16 regions affected by extreme atmospheric hazards and eight key global drivers of weather and climate. We summarize current understanding of multihazard disaster risk in each of these regions and identify aspects of the global climate system that require further investigation to strengthen our resilience in these areas. We show that some drivers can increase the risk of concurrent hazards across different regions. Organizations that support disaster risk reduction, or underwrite exposure, in multiple regions may have a heightened risk of facing multihazard losses. We find that 15 regional hazards share connections via the El Niño-Southern Oscillation, with the Indian Ocean Dipole, North Atlantic Oscillation, and the Southern Annular Mode being secondary sources of significant regional interconnectivity. From a hazard perspective, rainfall over China shares the most connections with global drivers and has links to both Northern and Southern Hemisphere modes of variability. We use these connections to assess the global likelihood of concurrent hazard occurrence in support of multihazard resilience and disaster risk reduction goals.

  2. 78 FR 73208 - Underwriters Laboratories, Inc.: Application for Expansion

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-05

    ... Laboratories, Inc., requests the addition of multiple test standards to its scope of recognition. This... Laboratory (NRTL). UL requests the addition of multiple test standards to their NRTL scope of recognition... recognition has three elements: (1) The type of products the NRTL may test, with each type specified by its...

  3. 24 CFR 257.116 - Representations and prohibitions.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Representations and prohibitions... Representations and prohibitions. (a) Underwriting and appraisal standards. In order for the H4H program mortgage... willfully and with actual knowledge furnished material information known to be false for the purpose of...

  4. 24 CFR 257.116 - Representations and prohibitions.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Representations and prohibitions... Representations and prohibitions. (a) Underwriting and appraisal standards. In order for the H4H program mortgage... willfully and with actual knowledge furnished material information known to be false for the purpose of...

  5. 24 CFR 257.116 - Representations and prohibitions.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Representations and prohibitions... Representations and prohibitions. (a) Underwriting and appraisal standards. In order for the H4H program mortgage... willfully and with actual knowledge furnished material information known to be false for the purpose of...

  6. 24 CFR 257.116 - Representations and prohibitions.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Representations and prohibitions... Representations and prohibitions. (a) Underwriting and appraisal standards. In order for the H4H program mortgage... willfully and with actual knowledge furnished material information known to be false for the purpose of...

  7. 24 CFR 257.116 - Representations and prohibitions.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Representations and prohibitions... Representations and prohibitions. (a) Underwriting and appraisal standards. In order for the H4H program mortgage... willfully and with actual knowledge furnished material information known to be false for the purpose of...

  8. 77 FR 70855 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-27

    ... following activities associated with the conduct of municipal securities business: underwriting; trading... control policies and written procedures'' to reflect amendment to the rule. Conduct of Business ``Definitions; general standard for advertisements'' is added to the description for Rule G-21(a). ``Product...

  9. 38 CFR 36.4353 - Withdrawal of authority to close loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... imprudent from a lending standpoint or which are prejudicial to the interests of veterans or the Government...) Automatic loan submissions show deficiencies in credit underwriting, such as use of unstable sources of income to qualify the borrower, ignoring significant adverse credit items affecting the applicant's...

  10. Matter in Motion: The Educational Materialism of Gilles Deleuze

    ERIC Educational Resources Information Center

    Cole, David R.

    2012-01-01

    This paper critically examines the materialism that Gilles Deleuze espouses in his oeuvre to the benefit of educational theory. In "Difference and Repetition", he presented transcendental empiricism by underwriting Kant with realism (Deleuze, 1994). Later, in "Capitalism & Schizophrenia I & II" that were co-written with Felix Guattari (1984, 1988)…

  11. 26 CFR 1.826-1 - Election by reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... interinsurers. (a) In general. Except as otherwise provided in section 826(c), any mutual insurance company...

  12. 26 CFR 1.826-1 - Election by reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of...) In general. Except as otherwise provided in section 826(c), any mutual insurance company which is an...

  13. 26 CFR 1.823-7 - Subscribers of reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... had in fact been credited on the last day of the company's taxable year. The subscriber shall take...

  14. 26 CFR 1.826-1 - Election by reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... interinsurers. (a) In general. Except as otherwise provided in section 826(c), any mutual insurance company...

  15. 26 CFR 1.823-7 - Subscribers of reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... had in fact been credited on the last day of the company's taxable year. The subscriber shall take...

  16. 26 CFR 1.823-7 - Subscribers of reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... had in fact been credited on the last day of the company's taxable year. The subscriber shall take...

  17. 26 CFR 1.826-1 - Election by reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... interinsurers. (a) In general. Except as otherwise provided in section 826(c), any mutual insurance company...

  18. 26 CFR 1.823-7 - Subscribers of reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... had in fact been credited on the last day of the company's taxable year. The subscriber shall take...

  19. 26 CFR 1.823-7 - Subscribers of reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... last day of the company's taxable year. The subscriber shall take savings credited to his account into...

  20. 26 CFR 1.826-1 - Election by reciprocal underwriters and interinsurers.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis... interinsurers. (a) In general. Except as otherwise provided in section 826(c), any mutual insurance company...

  1. 24 CFR 203.35 - Disclosure and verification of Social Security and Employer Identification Numbers.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... Social Security and Employer Identification Numbers. 203.35 Section 203.35 Housing and Urban Development... Requirements and Underwriting Procedures Eligible Mortgagors § 203.35 Disclosure and verification of Social... mortgagor must meet the requirements for the disclosure and verification of Social Security and Employer...

  2. 17 CFR 270.0-1 - Definition of terms used in this part.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... adviser, principal underwriter, administrator (“management organizations”), or any of their control... select and nominate any other disinterested director of the fund; (iii) Any person who acts as legal... advisers and experts necessary to carry out their duties. (b) Unless otherwise specifically provided, the...

  3. 24 CFR 4001.108 - Eligible properties.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... residence. (b) The following property types are eligible to secure a mortgage insured under the Program: (1... 24 Housing and Urban Development 5 2014-04-01 2014-04-01 false Eligible properties. 4001.108... Requirements and Underwriting Procedures § 4001.108 Eligible properties. (a) A mortgage may be insured under...

  4. 24 CFR 4001.108 - Eligible properties.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... residence. (b) The following property types are eligible to secure a mortgage insured under the Program: (1... 24 Housing and Urban Development 5 2010-04-01 2010-04-01 false Eligible properties. 4001.108... Requirements and Underwriting Procedures § 4001.108 Eligible properties. (a) A mortgage may be insured under...

  5. 24 CFR 4001.108 - Eligible properties.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... residence. (b) The following property types are eligible to secure a mortgage insured under the Program: (1... 24 Housing and Urban Development 5 2013-04-01 2013-04-01 false Eligible properties. 4001.108... Requirements and Underwriting Procedures § 4001.108 Eligible properties. (a) A mortgage may be insured under...

  6. 24 CFR 4001.108 - Eligible properties.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... residence. (b) The following property types are eligible to secure a mortgage insured under the Program: (1... 24 Housing and Urban Development 5 2011-04-01 2011-04-01 false Eligible properties. 4001.108... Requirements and Underwriting Procedures § 4001.108 Eligible properties. (a) A mortgage may be insured under...

  7. 24 CFR 4001.108 - Eligible properties.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... residence. (b) The following property types are eligible to secure a mortgage insured under the Program: (1... 24 Housing and Urban Development 5 2012-04-01 2012-04-01 false Eligible properties. 4001.108... Requirements and Underwriting Procedures § 4001.108 Eligible properties. (a) A mortgage may be insured under...

  8. 17 CFR 229.801 - Securities Act industry guides.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Securities Act industry guides... AND CONSERVATION ACT OF 1975-REGULATION S-K List of Industry Guides § 229.801 Securities Act industry... claims and claim adjustment expenses of property-casualty insurance underwriters. (g) Guide 7...

  9. 24 CFR 880.612a - Preference for occupancy by elderly families.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM FOR NEW CONSTRUCTION Management § 880.612a Preference for occupancy by elderly families. (a) Election of preference for occupancy...; the loan commitment; the bid invitation; the owner's management plan, or any underwriting or financial...

  10. 24 CFR 880.612a - Preference for occupancy by elderly families.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM FOR NEW CONSTRUCTION Management § 880.612a Preference for occupancy by elderly families. (a) Election of preference for occupancy...; the loan commitment; the bid invitation; the owner's management plan, or any underwriting or financial...

  11. 24 CFR 880.612a - Preference for occupancy by elderly families.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... PERSONS WITH DISABILITIES PROGRAM) SECTION 8 HOUSING ASSISTANCE PAYMENTS PROGRAM FOR NEW CONSTRUCTION Management § 880.612a Preference for occupancy by elderly families. (a) Election of preference for occupancy...; the loan commitment; the bid invitation; the owner's management plan, or any underwriting or financial...

  12. 77 FR 69870 - Federal Housing Administration (FHA) Healthcare Facility Documents: Revisions and Updates and...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-21

    ... updating and revising a set of production, underwriting, asset management, closing, and other documents... clarify the requirements for a management agent and the management agreement. Production--Firm Commitments... closing documents to the Office of Management and Budget (OMB) for review and approval, and assignment of...

  13. 18 CFR 46.5 - Covered entities.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 18 Conservation of Power and Water Resources 1 2011-04-01 2011-04-01 false Covered entities. 46.5... FOR PERSONS HOLDING INTERLOCKING POSITIONS § 46.5 Covered entities. Entities to which the general rule..., or a savings and loan association; (b) Any entity which is authorized by law to underwrite or...

  14. 18 CFR 46.5 - Covered entities.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 18 Conservation of Power and Water Resources 1 2010-04-01 2010-04-01 false Covered entities. 46.5... FOR PERSONS HOLDING INTERLOCKING POSITIONS § 46.5 Covered entities. Entities to which the general rule..., or a savings and loan association; (b) Any entity which is authorized by law to underwrite or...

  15. 76 FR 5222 - Notice of Federal Long Term Care Insurance Program Open Season

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-01-28

    ... workforce members, their spouses, and same-sex domestic partners of civilian active workforce members will be subject to abbreviated underwriting. The addition of same-sex domestic partners of civilian active... provided to same-sex domestic partners of Federal employees consistent with Federal law. All other...

  16. 31 CFR 344.3 - What provisions apply to the SLGSafe Service?

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... SLGSafe transactions: (1) SLGSafe Application for Internet Access and SLGSafe User Acknowledgment; and (2) SLGSafe User's Manual. (d) Who can apply for SLGSafe access? If you are an owner or a potential owner of... access. Other potential users of SLGSafe include, but are not limited to, underwriters, financial...

  17. 75 FR 81145 - Members of Federal Home Loan Banks

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-27

    ... companies, recognizing that insurers engaged in underwriting different lines of insurance are apt to hold... apt to be significantly greater than those of an insurance company or CDFI (the primary business of... in supporting housing finance. A ``shell'' insurance company is apt to be inactive, i.e., not engaged...

  18. 33 CFR 154.735 - Safety requirements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... engines used on the facility— (1) Does not constitute a fire hazard; and (2) Has a fire extinguisher... internal combustion engine is not refueled on a pier, wharf, or other similar structure. (o) There are no... approval for that use by— (1) Underwriters Laboratories; (2) Factory Mutual Research Corporation; or (3...

  19. 33 CFR 154.735 - Safety requirements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... engines used on the facility— (1) Does not constitute a fire hazard; and (2) Has a fire extinguisher... internal combustion engine is not refueled on a pier, wharf, or other similar structure. (o) There are no... approval for that use by— (1) Underwriters Laboratories; (2) Factory Mutual Research Corporation; or (3...

  20. 33 CFR 154.735 - Safety requirements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... engines used on the facility— (1) Does not constitute a fire hazard; and (2) Has a fire extinguisher... internal combustion engine is not refueled on a pier, wharf, or other similar structure. (o) There are no... approval for that use by— (1) Underwriters Laboratories; (2) Factory Mutual Research Corporation; or (3...

  1. 7 CFR 1738.202 - Elements of a complete application.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 11 2014-01-01 2014-01-01 false Elements of a complete application. 1738.202 Section 1738.202 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE... Underwriting § 1738.202 Elements of a complete application. An applicant must submit to the Agency a complete...

  2. 7 CFR 1738.202 - Elements of a complete application.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... 7 Agriculture 11 2013-01-01 2013-01-01 false Elements of a complete application. 1738.202 Section 1738.202 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE... Underwriting § 1738.202 Elements of a complete application. An applicant must submit to the Agency a complete...

  3. 7 CFR 1738.202 - Elements of a complete application.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... 7 Agriculture 11 2012-01-01 2012-01-01 false Elements of a complete application. 1738.202 Section 1738.202 Agriculture Regulations of the Department of Agriculture (Continued) RURAL UTILITIES SERVICE... Underwriting § 1738.202 Elements of a complete application. An applicant must submit to the Agency a complete...

  4. 46 CFR 249.2 - Policy.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... 46 Shipping 8 2013-10-01 2013-10-01 false Policy. 249.2 Section 249.2 Shipping MARITIME... UNDERWRITERS FOR MARINE HULL INSURANCE § 249.2 Policy. (a) It is the policy of the Maritime Administration... impediments to competitive maritime operations. (b) It is also the policy of MARAD to require owners of...

  5. 46 CFR 249.2 - Policy.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... 46 Shipping 8 2014-10-01 2014-10-01 false Policy. 249.2 Section 249.2 Shipping MARITIME... UNDERWRITERS FOR MARINE HULL INSURANCE § 249.2 Policy. (a) It is the policy of the Maritime Administration... impediments to competitive maritime operations. (b) It is also the policy of MARAD to require owners of...

  6. Make It Stretch

    ERIC Educational Resources Information Center

    Ramaswami, Rama

    2008-01-01

    A K-12 educator traveling down the information superhighway will likely to hit some speed bumps. The biggest of those will be a lack of money. While legislators proclaim the need for 21st-century skills in education, federal funding for technology--the underwriter of those skills--is shrinking. According to the 2008 "National Trends"…

  7. 29 CFR 1915.132 - Portable electric tools.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... 29 Labor 7 2013-07-01 2013-07-01 false Portable electric tools. 1915.132 Section 1915.132 Labor... § 1915.132 Portable electric tools. The provisions of this section shall apply to ship repairing... frames of portable electric tools and appliances, except double insulated tools approved by Underwriters...

  8. 29 CFR 1915.132 - Portable electric tools.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... 29 Labor 7 2012-07-01 2012-07-01 false Portable electric tools. 1915.132 Section 1915.132 Labor... § 1915.132 Portable electric tools. The provisions of this section shall apply to ship repairing... frames of portable electric tools and appliances, except double insulated tools approved by Underwriters...

  9. 29 CFR 1915.132 - Portable electric tools.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... 29 Labor 7 2014-07-01 2014-07-01 false Portable electric tools. 1915.132 Section 1915.132 Labor... § 1915.132 Portable electric tools. The provisions of this section shall apply to ship repairing... frames of portable electric tools and appliances, except double insulated tools approved by Underwriters...

  10. 29 CFR 1915.132 - Portable electric tools.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... 29 Labor 7 2011-07-01 2011-07-01 false Portable electric tools. 1915.132 Section 1915.132 Labor... § 1915.132 Portable electric tools. The provisions of this section shall apply to ship repairing... frames of portable electric tools and appliances, except double insulated tools approved by Underwriters...

  11. 29 CFR 1915.132 - Portable electric tools.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... 29 Labor 7 2010-07-01 2010-07-01 false Portable electric tools. 1915.132 Section 1915.132 Labor... § 1915.132 Portable electric tools. The provisions of this section shall apply to ship repairing... frames of portable electric tools and appliances, except double insulated tools approved by Underwriters...

  12. Everything You Ought to Know About the Liability Insurance Crisis but Didn't Know How to Ask.

    ERIC Educational Resources Information Center

    Direnfeld-Michael, Bonnie; Michael, David R.

    1987-01-01

    A great deal of the current liability insurance crisis can be attributed to the industry itself. This article discusses insurance cyles, cash flow underwriting, reinsurance, company "capacity", rates determination, "claims-made" coverage of accidents, and regulation of the industry. (JD)

  13. 46 CFR 76.01-2 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... Sprinkler Systems (“NFPA 13”)—76.25-1, 76.25-90. (d) Underwriters Laboratories Inc. (UL), 12 Laboratory... Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) PASSENGER VESSELS FIRE PROTECTION... Connections for Marine Fire Applications (“ASTM F 1121”)—76.10-10. (c) National Fire Protection Association...

  14. 46 CFR 76.01-2 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Sprinkler Systems (“NFPA 13”)—76.25-1, 76.25-90. (d) Underwriters Laboratories Inc. (UL), 12 Laboratory... Shipping COAST GUARD, DEPARTMENT OF HOMELAND SECURITY (CONTINUED) PASSENGER VESSELS FIRE PROTECTION... Connections for Marine Fire Applications (“ASTM F 1121”)—76.10-10. (c) National Fire Protection Association...

  15. 77 FR 69510 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-19

    ... or principal underwriter (each a ``17j-1 organization''), in connection with the purchase or sale of... manipulative act or practice in contravention of the Commission's rules and regulations. Section 17(j) also authorizes the Commission to promulgate rules requiring 17j-1 organizations to adopt codes of ethics. \\1...

  16. 78 FR 6362 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-01-30

    .... 23958 (Aug. 20, 1999) (64 FR 46821 (Aug. 27, 1999)). \\3\\ Investment Adviser Codes of Ethics, Investment... adviser or principal underwriter (each a ``17j-1 organization''), in connection with the purchase or sale..., deceptive, or manipulative act or practice in contravention of the Commission's rules and regulations...

  17. 75 FR 5152 - Submission for OMB Review; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-02-01

    .... 23958 (Aug. 20, 1999) (64 FR 46821-01 (Aug. 27, 1999)). \\3\\ Investment Adviser Codes of Ethics... investment adviser or principal underwriter (each a ``17j-1 organization''), in connection with the purchase..., deceptive, or manipulative act or practice in contravention of the Commission's rules and regulations...

  18. 75 FR 66173 - Self-Regulatory Organizations; Financial Industry Regulatory Authority, Inc.; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-27

    ... proposed rule, particularly with respect to mutual fund and variable annuity transactions. Among the reasons cited for the objections were differences in calculating settlement dates for mutual fund purchases through a broker-dealer versus those purchased through a mutual fund's underwriter.\\20\\ Another...

  19. 75 FR 68393 - Data Collection Available for Public Comments and Recommendations

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-05

    ... and to properly evaluate the merits of each loan request based on reasonable and customary underwriting criteria such as character, capacity, credit collateral, etc. This information is collected for the purpose of extending credit under the 504 loan program. Title: U.S. Small Business Administration...

  20. 7 CFR 400.305 - Assignment of Nonstandard Classifications.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... tables for the county. (b) Nonstandard classification assignment will be made each year, for the year... 7 Agriculture 6 2011-01-01 2011-01-01 false Assignment of Nonstandard Classifications. 400.305... Underwriting Classification System Regulations for the 1991 and Succeeding Crop Years § 400.305 Assignment of...

  1. 7 CFR 400.305 - Assignment of Nonstandard Classifications.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... tables for the county. (b) Nonstandard classification assignment will be made each year, for the year... 7 Agriculture 6 2010-01-01 2010-01-01 false Assignment of Nonstandard Classifications. 400.305... Underwriting Classification System Regulations for the 1991 and Succeeding Crop Years § 400.305 Assignment of...

  2. 33 CFR 181.4 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... available to the public. All approved material is available for inspection at the Lifesaving and Fire Safety Standards Division (CG-5214), 2100 2nd St., SW., Stop 7126, Washington, DC 20593-7126, and at the National...: Underwriters Laboratories, Inc. (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 1123, Marine...

  3. 33 CFR 181.4 - Incorporation by reference.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... available to the public. All approved material is available for inspection at the Lifesaving and Fire Safety Standards Division (CG-5214), 2100 2nd St., SW., Stop 7126, Washington, DC 20593-7126, and at the National...: Underwriters Laboratories, Inc. (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 1123, Marine...

  4. 46 CFR 160.171-3 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... at the U.S. Coast Guard, Lifesaving and Fire Safety Division (CG-ENG-4), 2100 2nd St., SW., Stop 7126.... National Bureau of Standards Special Publication 440—Color, Universal Language and Dictionary of Names..., Stitches, Seams, and Stitchings, dated January 25, 1965. Underwriters Laboratories, Inc. 12 Laboratory...

  5. 33 CFR 181.4 - Incorporation by reference.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... available to the public. All approved material is available for inspection at the Lifesaving and Fire Safety Standards Division (CG-5214), 2100 2nd St., SW., Stop 7126, Washington, DC 20593-7126, and at the National...: Underwriters Laboratories, Inc. (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 1123, Marine...

  6. 33 CFR 181.4 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... available to the public. All approved material is available for inspection at the Lifesaving and Fire Safety Standards Division (CG-5214), 2100 2nd St., SW., Stop 7126, Washington, DC 20593-7126, and at the National...: Underwriters Laboratories, Inc. (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 1123, Marine...

  7. 33 CFR 181.4 - Incorporation by reference.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... available to the public. All approved material is available for inspection at the Lifesaving and Fire Safety Standards Division (CG-5214), 2100 2nd St., SW., Stop 7126, Washington, DC 20593-7126, and at the National...: Underwriters Laboratories, Inc. (UL) 12 Laboratory Drive, Research Triangle Park, NC 27709-3995 UL 1123, Marine...

  8. 46 CFR 160.171-3 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... at the U.S. Coast Guard, Lifesaving and Fire Safety Division (CG-5214), 2100 2nd St., SW., Stop 7126.... National Bureau of Standards Special Publication 440—Color, Universal Language and Dictionary of Names..., Stitches, Seams, and Stitchings, dated January 25, 1965. Underwriters Laboratories, Inc. 12 Laboratory...

  9. 24 CFR 203.35 - Disclosure and verification of Social Security and Employer Identification Numbers.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... Social Security and Employer Identification Numbers. 203.35 Section 203.35 Housing and Urban Development... Requirements and Underwriting Procedures Eligible Mortgagors § 203.35 Disclosure and verification of Social... mortgagor must meet the requirements for the disclosure and verification of Social Security and Employer...

  10. 24 CFR 203.35 - Disclosure and verification of Social Security and Employer Identification Numbers.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... Social Security and Employer Identification Numbers. 203.35 Section 203.35 Housing and Urban Development... Requirements and Underwriting Procedures Eligible Mortgagors § 203.35 Disclosure and verification of Social... mortgagor must meet the requirements for the disclosure and verification of Social Security and Employer...

  11. 24 CFR 203.35 - Disclosure and verification of Social Security and Employer Identification Numbers.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... Social Security and Employer Identification Numbers. 203.35 Section 203.35 Housing and Urban Development... Requirements and Underwriting Procedures Eligible Mortgagors § 203.35 Disclosure and verification of Social... mortgagor must meet the requirements for the disclosure and verification of Social Security and Employer...

  12. 46 CFR 183.380 - Overcurrent protection.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... emergency switch must be provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must... position. (l) Fuses must be of the cartridge type only and be listed by Underwriters Laboratories or...

  13. 46 CFR 183.380 - Overcurrent protection.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... emergency switch must be provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must... position. (l) Fuses must be of the cartridge type only and be listed by Underwriters Laboratories or...

  14. 46 CFR 183.380 - Overcurrent protection.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... emergency switch must be provided in the normally ungrounded main supply conductor from a battery. The switch must be accessible and located as close to the battery as practicable. (j) Disconnect means must... position. (l) Fuses must be of the cartridge type only and be listed by Underwriters Laboratories or...

  15. 24 CFR 221.770 - Assignment option.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Assignment option. 221.770 Section... § 221.770 Assignment option. A mortgagee holding a conditional or firm commitment issued on or before... mortgagee's approved underwriter on or before November 30, 1983) has the option to assign, transfer and...

  16. 46 CFR 28.40 - Incorporation by reference.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... available to the public. All approved material is on file at the U.S. Coast Guard, Office of Design and... (Lightweight Survey and Inclining Experiment) to Determine the Light Ship Displacement and Centers of Gravity... Applications 28.405 Underwriters Laboratories, Inc. (UL), 12 Laboratory Drive, Research Triangle Park, NC 27709...

  17. 46 CFR 28.40 - Incorporation by reference.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... available to the public. All approved material is on file at the U.S. Coast Guard, Office of Design and... (Lightweight Survey and Inclining Experiment) to Determine the Light Ship Displacement and Centers of Gravity... Applications 28.405 Underwriters Laboratories, Inc. (UL), 12 Laboratory Drive, Research Triangle Park, NC 27709...

  18. 46 CFR 28.40 - Incorporation by reference.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... available to the public. All approved material is on file at the U.S. Coast Guard, Office of Design and... (Lightweight Survey and Inclining Experiment) to Determine the Light Ship Displacement and Centers of Gravity... Applications 28.405 Underwriters Laboratories, Inc. (UL), 12 Laboratory Drive, Research Triangle Park, NC 27709...

  19. 24 CFR 203.35 - Disclosure and verification of Social Security and Employer Identification Numbers.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... Social Security and Employer Identification Numbers. 203.35 Section 203.35 Housing and Urban Development... Requirements and Underwriting Procedures Eligible Mortgagors § 203.35 Disclosure and verification of Social... mortgagor must meet the requirements for the disclosure and verification of Social Security and Employer...

  20. 75 FR 44031 - Goldman, Sachs & Co., et al.; Notice of Application and Temporary Order

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-07-27

    ... International (``GSAMI''), Goldman Sachs Hedge Fund Strategies LLC (``GSHFS''), Commonwealth Annuity and Life... marketing materials used in connection with residential mortgage-related securities offerings by Goldman... marketing materials, (iv) where Goldman Sachs is the lead underwriter of an offering of residential mortgage...

  1. Basic Electricity. Part 4.

    ERIC Educational Resources Information Center

    Kilmer, Donald C.

    Designed for the student interested in a vocation in electrical work, this guide, fourth in a set of four, includes three units: Unit X--Splicing Wires, covering thirteen lessons (removing insulation, pigtail splice, Western Union splice, tap splice, extension cord splice, connecting wires to a terminal screw, underwriter's knot, three-wire ground…

  2. 7 CFR 3555.209 - Rural Energy Plus loans.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... 7 Agriculture 15 2014-01-01 2014-01-01 false Rural Energy Plus loans. 3555.209 Section 3555.209... AGRICULTURE GUARANTEED RURAL HOUSING PROGRAM (Eff. 9-1-14) Underwriting the Property § 3555.209 Rural Energy Plus loans. Loans guaranteed under Rural Energy Plus provisions are for the purchase of energy...

  3. Being There: (Re)Making the Assessment Scene

    ERIC Educational Resources Information Center

    Gallagher, Chris W.

    2011-01-01

    I use Burkean analysis to show how neoliberalism undermines faculty assessment expertise and underwrites testing industry expertise in the current assessment scene. Contending that we cannot extricate ourselves from our limited agency in this scene until we abandon the familiar "stakeholder" theory of power, I propose a rewriting of the…

  4. 12 CFR 390.150 - Guidelines relating to nondiscrimination in lending.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    .... Loan underwriting decisions must be based on an applicant's credit history and present and reasonably... creditworthiness between married and unmarried individuals, or between men and women. (2) Discrimination on the...'s prior history. Loan decisions should be based upon a realistic evaluation of all pertinent factors...

  5. 12 CFR 390.150 - Guidelines relating to nondiscrimination in lending.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    .... Loan underwriting decisions must be based on an applicant's credit history and present and reasonably... creditworthiness between married and unmarried individuals, or between men and women. (2) Discrimination on the...'s prior history. Loan decisions should be based upon a realistic evaluation of all pertinent factors...

  6. 46 CFR 249.9 - American market participation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... 46 Shipping 8 2010-10-01 2010-10-01 false American market participation. 249.9 Section 249.9... OPERATORS APPROVAL OF UNDERWRITERS FOR MARINE HULL INSURANCE § 249.9 American market participation. (a... to the American marine insurance market the opportunity to compete for the placement of marine hull...

  7. 38 CFR 36.4352 - Authority to close loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... reviewed and approved by the underwriter. (4) Financial requirements. Each application must include the most recent annual financial statement audited and certified by a certified public accountant (CPA). If the date of the annual financial statement precedes that of the application by more than six months...

  8. 24 CFR 235.1218 - Additional eligibility requirements.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ...; Direct Endorsement § 235.1218 Additional eligibility requirements. (a) Mortgage amount. It must be in an... par on one of the following dates, whichever rate is higher: (i) The date the Direct Endorsement mortgagee's underwriter signs the Mortgage Credit Analysis Worksheet (form HUD-92900 WS); or (ii) The date...

  9. 24 CFR 203.359 - Time of conveyance to the Secretary.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., 1992 or under direct endorsement processing where the credit worksheet was signed by the mortgagee's... insured under firm commitments issued on or after November 19, 1992, or under direct endorsement processing where the credit worksheet was signed by the mortgagee's underwriter on or after November 19, 1992...

  10. 38 CFR 36.4226 - Withdrawal of authority to close manufactured home loans on the automatic basis.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... imprudent from a lending standpoint or which are prejudicial to the interests of veterans or the Government... show deficiencies in credit underwriting, such as use of unstable sources of income to qualify the borrower, ignoring significant adverse credit items affecting the applicant's creditworthiness, etc., after...

  11. 26 CFR 1.823-8 - Special transitional underwriting loss; cross reference.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... 821(f) provides, for any company subject to the tax imposed by section 821(a), a special reduction in...

  12. 26 CFR 1.823-8 - Special transitional underwriting loss; cross reference.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis..., section 821(f) provides, for any company subject to the tax imposed by section 821(a), a special reduction...

  13. 26 CFR 1.821-5 - Special transitional underwriting loss.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... TAX (CONTINUED) INCOME TAXES Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of Perpetual Policies Or... paragraph (b)(1) of § 1.823-6) of any company taxable under section 821(a) which was taxable under section...

  14. 26 CFR 1.823-8 - Special transitional underwriting loss; cross reference.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis..., section 821(f) provides, for any company subject to the tax imposed by section 821(a), a special reduction...

  15. 26 CFR 1.823-8 - Special transitional underwriting loss; cross reference.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis..., section 821(f) provides, for any company subject to the tax imposed by section 821(a), a special reduction...

  16. 26 CFR 1.821-5 - Special transitional underwriting loss.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... 823(a)(1) and paragraph (b)(1) of § 1.823-6) of any company taxable under section 821(a) which was...

  17. 26 CFR 1.821-5 - Special transitional underwriting loss.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... 823(a)(1) and paragraph (b)(1) of § 1.823-6) of any company taxable under section 821(a) which was...

  18. 26 CFR 1.821-5 - Special transitional underwriting loss.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... 823(a)(1) and paragraph (b)(1) of § 1.823-6) of any company taxable under section 821(a) which was...

  19. 26 CFR 1.821-5 - Special transitional underwriting loss.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis of... 823(a)(1) and paragraph (b)(1) of § 1.823-6) of any company taxable under section 821(a) which was...

  20. 26 CFR 1.823-8 - Special transitional underwriting loss; cross reference.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... (CONTINUED) INCOME TAX (CONTINUED) INCOME TAXES (CONTINUED) Mutual Insurance Companies (other Than Life and Certain Marine Insurance Companies and Other Than Fire Or Flood Insurance Companies Which Operate on Basis..., section 821(f) provides, for any company subject to the tax imposed by section 821(a), a special reduction...

  1. 75 FR 62879 - Individual Exemption Involving General Motors Company, General Motors Holdings LLC, and General...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-10-13

    ... returns for the single plan that owns the securities for which the investment bank is responsible. In its... Account with respect to the marketing or underwriting of the securities. For this purpose, an investment..., held back for the payment of expenses (primarily, investment [[Page 62882

  2. Analytical methods for determining fire resistance of timber members

    Treesearch

    Robert H. White

    2008-01-01

    The fire resistance ratings of wood members and assemblies, as of other materials, have traditionally been obtained by testing the assembly in a furnace in accordance with ASTM International (ASTM) Standard E119, International Organization for Standardization (ISO) Standard 834, and similar standards. These ratings are published in listings, such as Underwriters...

  3. 76 FR 32248 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Notice of Filing of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-03

    ...\\ See letter from F. John White, Chief Executive Officer, Public Financial Management, Inc., dated... Financial Strategies, dated March 21, 2011 (``Nathan Howard Letter''); letter from Mike Nicholas, Chief... preserve the general confusion between the role of a financial advisor and the role of an underwriter and...

  4. 38 CFR 36.4206 - Underwriting standards, occupancy, and non-discrimination requirements.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental... because of race, color, religion, sex, handicap, familial status, or national origin; (ii) The veteran recognizes that any restrictive covenant on the property relating to race, color, religion, sex, handicap...

  5. 38 CFR 36.4206 - Underwriting standards, occupancy, and non-discrimination requirements.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental... because of race, color, religion, sex, handicap, familial status, or national origin; (ii) The veteran recognizes that any restrictive covenant on the property relating to race, color, religion, sex, handicap...

  6. 38 CFR 36.4206 - Underwriting standards, occupancy, and non-discrimination requirements.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental... because of race, color, religion, sex, handicap, familial status, or national origin; (ii) The veteran recognizes that any restrictive covenant on the property relating to race, color, religion, sex, handicap...

  7. 38 CFR 36.4206 - Underwriting standards, occupancy, and non-discrimination requirements.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental... because of race, color, religion, sex, handicap, familial status, or national origin; (ii) The veteran recognizes that any restrictive covenant on the property relating to race, color, religion, sex, handicap...

  8. 38 CFR 36.4206 - Underwriting standards, occupancy, and non-discrimination requirements.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... to sell or rent, after the making of a bona fide offer, or refuse to negotiate for the sale or rental... because of race, color, religion, sex, handicap, familial status, or national origin; (ii) The veteran recognizes that any restrictive covenant on the property relating to race, color, religion, sex, handicap...

  9. State-Local Revenue Systems and Educational Finance.

    ERIC Educational Resources Information Center

    Myers, Will S.; And Others

    This study analyzes the self-help capabilities of the States to equip themselves with a highly productive State-local revenue system that could underwrite a major share of school costs. The present state-local revenue system is said to be impaired in its productivity and equity by: (1) the regressive impact of property, general sales, and…

  10. 38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

    Code of Federal Regulations, 2013 CFR

    2013-07-01

    ... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

  11. 38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

    Code of Federal Regulations, 2014 CFR

    2014-07-01

    ... streamlined refinance loan would not increase the principal balance outstanding on the prior existing... refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits; (ix) Satisfactory... continuing nature, such as tax credits for child care; and (xiii) Tax benefits of home ownership. (6) The...

  12. 38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

    Code of Federal Regulations, 2011 CFR

    2011-07-01

    ... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

  13. 38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

    Code of Federal Regulations, 2012 CFR

    2012-07-01

    ... equity in refinancing loans; (vii) Little or no increase in shelter expense; (viii) Military benefits...; (xii) Tax credits of a continuing nature, such as tax credits for child care; and (xiii) Tax benefits... supplied in the Consumer Expenditure Survey (CES) published by the Department of Labor's Bureau of Labor...

  14. The Conundrum of Religious Schools in Twenty-First-Century Europe

    ERIC Educational Resources Information Center

    Merry, Michael S.

    2015-01-01

    In this paper Merry examines in detail the continued--and curious--popularity of religious schools in an otherwise "secular" twenty-first century Europe. To do this he considers a number of motivations underwriting the decision to place one's child in a religious school and delineates what are likely the best empirically supported…

  15. 76 FR 37636 - Substantial Product Hazard List: Hand-Supported Hair Dryers

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-06-28

    ... to be substantial product hazards. Authority: 15 U.S.C. 2064(j). Sec. 1120.1 Authority. Under the... subsection (j). That subsection delegates authority to the Commission to specify by rule, for a consumer... been substantial compliance with it. 15 U.S.C. 2064(j). Underwriters Laboratories' (``UL'') Standard...

  16. 46 CFR 308.516 - Failure to comply with Clause 21.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... Underwriting Agent within seven (7) days from the time knowledge comes to the assured of the insufficiency of... permission of the Maritime Administrator. If the space provided in the declaration, Form MA-314, for an explanation of the circumstances whereby the assured first had knowledge that the collateral was not...

  17. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... management staff; (A) The underwriting staff must be composed of insurance professionals with an average of... professional every three years. These audits, actuarial reviews, and management reviews must be submitted to... generally accepted accounting principles (GAAP) and audited by an independent auditor in accordance with...

  18. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... management staff; (A) The underwriting staff must be composed of insurance professionals with an average of... professional every three years. These audits, actuarial reviews, and management reviews must be submitted to... generally accepted accounting principles (GAAP) and audited by an independent auditor in accordance with...

  19. 24 CFR 1000.139 - What are the standards for insurance entities owned and controlled by recipients?

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... management staff; (A) The underwriting staff must be composed of insurance professionals with an average of... professional every three years. These audits, actuarial reviews, and management reviews must be submitted to... generally accepted accounting principles (GAAP) and audited by an independent auditor in accordance with...

  20. 76 FR 77281 - Self-Regulatory Organizations; The Depository Trust Company; Notice of Filing and Immediate...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-12-12

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-65901; File No. SR-DTC-2011-10] Self-Regulatory... DTC participants. DTC's experience demonstrates that when participants, issuers, underwriters, agents... Exchange Act Release 24818 (August 19, 1987), 52 FR 31833 (August 24, 1987) (File No. SR-DTC-87-10); 25948...

  1. 78 FR 75398 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Order Granting Approval of...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-12-11

    ... SECURITIES AND EXCHANGE COMMISSION [Release No. 34-70990; File No. SR-MSRB-2013-08] Self...\\ Securities Exchange Act Release No. 70607 (October 3, 2013), 78 FR 62736 (``Notice''). II. Description of the... dealer, acting as an underwriter or remarketing agent with no prior or future long-term economic interest...

  2. 77 FR 35681 - Formations of, Acquisitions by, and Mergers of Bank Holding Companies

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-14

    ...)(12); and issuing and selling money orders, savings bonds, traveler's checks and similar consumer... Securities, FSB, both in Dallas, Texas, and thereby engage in the operation of a savings association pursuant..., pursuant to section 225.28(b)(7); underwriting and dealing in government obligations and money market...

  3. 17 CFR 230.430A - Prospectus in a registration statement at the time of effectiveness.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... SECURITIES AND EXCHANGE COMMISSION GENERAL RULES AND REGULATIONS, SECURITIES ACT OF 1933 Form and Content of Prospectuses § 230.430A Prospectus in a registration statement at the time of effectiveness. (a) The form of... respect to the public offering price, underwriting syndicate (including any material relationships between...

  4. 77 FR 71201 - Order Extending Temporary Conditional Exemption for Nationally Recognized Statistical Rating...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-11-29

    ... following conflict of interest: Issuing or maintaining a credit rating for a security or money market... that was paid for by the issuer, sponsor, or underwriter of the security or money market instrument. 17...; Provide free and unlimited access to such password- protected Internet Web site during the applicable...

  5. 77 FR 27509 - Self-Regulatory Organizations; Municipal Securities Rulemaking Board; Order Approving Proposed...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-05-10

    ... Principle; (2) Role of the Underwriter/Conflicts of Interest; (3) Representations to Issuers; (4) Required... municipal securities.'' See Interpretive Notice at endnote 1. A. Basic Fair Dealing Principle The... made in a fair and balanced manner based on principles of fair dealing and good faith. \\11\\ The...

  6. 76 FR 17428 - Notice of Submission of Proposed Information Collection to OMB Rehabilitation Mortgage Insurance...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-03-29

    ... Proposed Information Collection to OMB Rehabilitation Mortgage Insurance Underwriting Program Section 203(K... processes for participants in HUD-FHA's 203(K) Rehabilitation Mortgage Insurance Program. DATES: Comments... Program Section 203(K). OMB Approval Number: 2502-0527. Form Numbers: HUD-92700, HUD-92700-A, HUD-9746-A...

  7. 75 FR 81683 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ..., dealer, or underwriter (``securities-related businesses''). Rule 12d3-1 (``Exemption of acquisitions of securities issued by persons engaged in securities related businesses'' (17 CFR 270.12d3-1)) permits a fund... percent of its gross revenues from securities-related businesses, but a fund may not rely on rule 12d3-1...

  8. 78 FR 70974 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-11-27

    ..., dealer, or underwriter (``securities-related businesses''). Rule 12d3-1 (``Exemption of acquisitions of securities issued by persons engaged in securities related businesses'' (17 CFR 270.12d3-1)) permits a fund... percent of its gross revenues from securities-related businesses, but a fund may not rely on rule 12d3-1...

  9. 24 CFR 203.22 - Payment of insurance premiums or charges; prepayment privilege.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Payment of insurance premiums or... Underwriting Procedures Eligible Mortgages § 203.22 Payment of insurance premiums or charges; prepayment privilege. (a) Payment of periodic insurance premiums or charges. Except with respect to mortgages for which...

  10. 24 CFR 203.22 - Payment of insurance premiums or charges; prepayment privilege.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Payment of insurance premiums or... Underwriting Procedures Eligible Mortgages § 203.22 Payment of insurance premiums or charges; prepayment privilege. (a) Payment of periodic insurance premiums or charges. Except with respect to mortgages for which...

  11. Using ITS to Create an Insurance Industry Application: A Joint Case Study.

    ERIC Educational Resources Information Center

    Boies, Stephen J.; And Others

    1993-01-01

    Presents an empirical case study of the use of ITS, a software development environment designed by IBM, by Continental Insurance for underwriting applications. Use of a rule-based user interface style that made electronic forms look like standard insurance industry paper forms and worked according to Continental's guidelines is described.…

  12. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... the size and type of the project or property: • Requirements for feasibility studies and sensitivity... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  13. 12 CFR Appendix A to Subpart D of... - Interagency Guidelines for Real Estate Lending

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... the size and type of the project or property: • Requirements for feasibility studies and sensitivity... only one of several pertinent credit factors to be considered when underwriting a real estate loan... in individual cases to originate or purchase loans with loan-to-value ratios in excess of the...

  14. 46 CFR 118.320 - Fire hoses and nozzles.

    Code of Federal Regulations, 2013 CFR

    2013-10-01

    ... commercial fire hose that conforms to Underwriters Laboratory (UL) 19 “Lined Fire Hose and Hose Assemblies... National Fire Protection Association (NFPA) 1963 “Fire Hose Connections,” or other standard specified by... 46 Shipping 4 2013-10-01 2013-10-01 false Fire hoses and nozzles. 118.320 Section 118.320 Shipping...

  15. 46 CFR 118.320 - Fire hoses and nozzles.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... commercial fire hose that conforms to Underwriters Laboratory (UL) 19 “Lined Fire Hose and Hose Assemblies... National Fire Protection Association (NFPA) 1963 “Fire Hose Connections,” or other standard specified by... 46 Shipping 4 2011-10-01 2011-10-01 false Fire hoses and nozzles. 118.320 Section 118.320 Shipping...

  16. 46 CFR 118.320 - Fire hoses and nozzles.

    Code of Federal Regulations, 2012 CFR

    2012-10-01

    ... commercial fire hose that conforms to Underwriters Laboratory (UL) 19 “Lined Fire Hose and Hose Assemblies... National Fire Protection Association (NFPA) 1963 “Fire Hose Connections,” or other standard specified by... 46 Shipping 4 2012-10-01 2012-10-01 false Fire hoses and nozzles. 118.320 Section 118.320 Shipping...

  17. 46 CFR 118.320 - Fire hoses and nozzles.

    Code of Federal Regulations, 2014 CFR

    2014-10-01

    ... commercial fire hose that conforms to Underwriters Laboratory (UL) 19 “Lined Fire Hose and Hose Assemblies... National Fire Protection Association (NFPA) 1963 “Fire Hose Connections,” or other standard specified by... 46 Shipping 4 2014-10-01 2014-10-01 false Fire hoses and nozzles. 118.320 Section 118.320 Shipping...

  18. 46 CFR 193.10-10 - Fire hydrants and hose.

    Code of Federal Regulations, 2011 CFR

    2011-10-01

    ... length of firehose on each fire hydrant outside and in the immediate vicinity of each laboratory; (2... 1, 1980 must be lined commercial fire hose that conforms to Underwriters' Laboratories, Inc... 46 Shipping 7 2011-10-01 2011-10-01 false Fire hydrants and hose. 193.10-10 Section 193.10-10...

  19. 46 CFR 118.320 - Fire hoses and nozzles.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... commercial fire hose that conforms to Underwriters Laboratory (UL) 19 “Lined Fire Hose and Hose Assemblies... National Fire Protection Association (NFPA) 1963 “Fire Hose Connections,” or other standard specified by... 46 Shipping 4 2010-10-01 2010-10-01 false Fire hoses and nozzles. 118.320 Section 118.320 Shipping...

  20. 24 CFR 203.29 - Eligible mortgages in Alaska, Guam, Hawaii, or the Virgin Islands.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ..., Hawaii, or the Virgin Islands. 203.29 Section 203.29 Housing and Urban Development Regulations Relating... Requirements and Underwriting Procedures Eligible Mortgages § 203.29 Eligible mortgages in Alaska, Guam, Hawaii..., Guam, Hawaii or the Virgin Islands, the Commissioner may increase the maximum mortgage amount permitted...

  1. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...

  2. The Basics of Long-Term Debt Issuance and Management

    ERIC Educational Resources Information Center

    Van Meter, Christine M.

    2011-01-01

    Issuing long-term debt can be a complex, multifaceted process. Although the process varies by stare, typically the school business official and the district solicitor work with the financing ream, which includes a financial adviser, bond counsel, underwriter, raring agency, and possibly a bond insurance agent, paying agent, and architect.…

  3. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering houses...

  4. 46 CFR 326.7 - Litigation.

    Code of Federal Regulations, 2010 CFR

    2010-10-01

    ... INSURANCE UNDER AGREEMENTS WITH AGENTS § 326.7 Litigation. (a) If a court suit of a P&I nature is filed... insurance, the Agent shall immediately forward copies of the pleading and all other related legal documents... claim of a P&I nature, unless approved in advance by MARAD, and by the underwriter, where applicable...

  5. 17 CFR 200.80f - Appendix F-Records control schedule.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... ORGANIZATION; CONDUCT AND ETHICS; AND INFORMATION AND REQUESTS Information and Requests § 200.80f Appendix F... in purchasing new issues of securities from underwriters 6 years. 821- Reports by registered small... state or federal laws in the purchase and sale of securities Until date of last reported action plus 10...

  6. Secondary Mortgage Market: Information on Underwriting and Home Loans in the Atlanta Area

    DTIC Science & Technology

    1990-11-01

    program which must be used in connection with the insuring of loans in these areas. Finally, HUD states that gentrification may reverse the rate of...decline of an older neighborhood assuming it is not subject to heavy commercial or industrial encroachment. Gentrification occurs when people move into

  7. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 17 Commodity and Securities Exchanges 3 2010-04-01 2010-04-01 false Insurance company undertaking....27d-2 Insurance company undertaking in lieu of segregated trust account. (a) Any depositor of or... established by such insurance company to meet such obligations; and (2) Such depositor or underwriter shall...

  8. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 17 Commodity and Securities Exchanges 3 2012-04-01 2012-04-01 false Insurance company undertaking....27d-2 Insurance company undertaking in lieu of segregated trust account. (a) Any depositor of or... established by such insurance company to meet such obligations; and (2) Such depositor or underwriter shall...

  9. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 17 Commodity and Securities Exchanges 3 2011-04-01 2011-04-01 false Insurance company undertaking....27d-2 Insurance company undertaking in lieu of segregated trust account. (a) Any depositor of or... established by such insurance company to meet such obligations; and (2) Such depositor or underwriter shall...

  10. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 17 Commodity and Securities Exchanges 4 2014-04-01 2014-04-01 false Insurance company undertaking....27d-2 Insurance company undertaking in lieu of segregated trust account. (a) Any depositor of or... established by such insurance company to meet such obligations; and (2) Such depositor or underwriter shall...

  11. 17 CFR 270.27d-2 - Insurance company undertaking in lieu of segregated trust account.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 17 Commodity and Securities Exchanges 3 2013-04-01 2013-04-01 false Insurance company undertaking....27d-2 Insurance company undertaking in lieu of segregated trust account. (a) Any depositor of or... established by such insurance company to meet such obligations; and (2) Such depositor or underwriter shall...

  12. 12 CFR 1.3 - Limitations on dealing in, underwriting, and purchase and sale of securities.

    Code of Federal Regulations, 2013 CFR

    2013-01-01

    ... security. (2) The aggregate par value of securities treated as investment securities under paragraph (i)(1... its own account, provided the aggregate par value of Type II securities issued by any one obligor held... may purchase and sell Type III securities for its own account, provided the aggregate par value of...

  13. 12 CFR 1.3 - Limitations on dealing in, underwriting, and purchase and sale of securities.

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... the obligor will be able to satisfy its obligations under that security. (2) The aggregate par value... its own account, provided the aggregate par value of Type II securities issued by any one obligor held... may purchase and sell Type III securities for its own account, provided the aggregate par value of...

  14. 12 CFR 1.3 - Limitations on dealing in, underwriting, and purchase and sale of securities.

    Code of Federal Regulations, 2014 CFR

    2014-01-01

    ... security. (2) The aggregate par value of securities treated as investment securities under paragraph (i)(1... its own account, provided the aggregate par value of Type II securities issued by any one obligor held... may purchase and sell Type III securities for its own account, provided the aggregate par value of...

  15. 12 CFR 1.3 - Limitations on dealing in, underwriting, and purchase and sale of securities.

    Code of Federal Regulations, 2012 CFR

    2012-01-01

    ... the obligor will be able to satisfy its obligations under that security. (2) The aggregate par value... its own account, provided the aggregate par value of Type II securities issued by any one obligor held... may purchase and sell Type III securities for its own account, provided the aggregate par value of...

  16. Alternative Fuels Data Center: Underwriters Laboratories Ethanol Dispenser

    Science.gov Websites

    alternate equivalent dispenser design to be submitted for approval. Each jurisdiction has its own process grant a waiver or variance on a case-by-case basis for alternative equivalent dispensers for mid- to procedures used to evaluate the product. The group of manufacturers and industry partners interested in

  17. A Community College Partnership with a For-Profit Education Corporation: A Case Study in Entrepreneurism

    ERIC Educational Resources Information Center

    Kennedy, Ellen L.

    2013-01-01

    In a first-of-its-kind partnership, Higher Education Partners, LLC (formerly The Princeton Review), a for-profit education corporation, invested millions of dollars to create a facility and underwrite expenses to address a shortage of educational programs at Bristol Community College, a Massachusetts community college, with revenue to be divided…

  18. 17 CFR 270.17d-3 - Exemption relating to certain joint enterprises or arrangements concerning payment for...

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... management investment company. 270.17d-3 Section 270.17d-3 Commodity and Securities Exchanges SECURITIES AND... registered open-end management investment company. An affiliated person of, or principal underwriter for, a registered open-end management investment company and an affiliated person of such a person or principal...

  19. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... 24 Housing and Urban Development 2 2011-04-01 2011-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured 10...

  20. 5 CFR 875.404 - What is the effective date of coverage?

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... abbreviated underwriting, you also must be actively at work at least 1 day during the calendar week immediately before the week which contains your coverage effective date for your coverage to become effective... outside of an open season, your coverage effective date is the 1st day of the month after the date your...

  1. 5 CFR 875.404 - What is the effective date of coverage?

    Code of Federal Regulations, 2011 CFR

    2011-01-01

    ... abbreviated underwriting, you also must be actively at work at least 1 day during the calendar week immediately before the week which contains your coverage effective date for your coverage to become effective... outside of an open season, your coverage effective date is the 1st day of the month after the date your...

  2. 12 CFR 250.409 - Investment for own account affects applicability of section 32.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... over the past 3 years, but underwriting has accounted for no more than one-half of 1 percent of that.... (a) The Board of Governors has been presented with the question whether a certain firm is primarily... a restricted family group, and had been held for relatively long periods of time. (f) The question...

  3. 76 FR 72227 - Order Extending Temporary Conditional Exemption for Nationally Recognized Statistical Rating...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2011-11-22

    ... interest: issuing or maintaining a credit rating for a security or money market instrument issued by an... the issuer, sponsor, or underwriter of the security or money market instrument. 17 CFR 240.17g-5(b)(9... represents the information provided to the hired NRSRO can be accessed by other NRSROs; Provide free and...

  4. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  5. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  6. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  7. 24 CFR Appendix A to Part 570 - Guidelines and Objectives for Evaluating Project Costs and Financial Requirements

    Code of Federal Regulations, 2011 CFR

    2011-04-01

    ... recipient with a framework for financially underwriting and selecting CDBG-assisted economic development... out the economic development project. This is to ensure that time and effort is not wasted on... review the economic development project to ensure that, to the extent practicable, CDBG funds will not be...

  8. 75 FR 81682 - Proposed Collection; Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-12-28

    ... and principal underwriters annually to make an accounting of their segregated trust accounts on Form N... Trust Account.'' Rule 27d-1 (17 CFR 270.27d-1) under the Act requires the depositor or principal... Act.\\1\\ Rule 27d-2 provides an exemption from rule 27d-1 under the Act for depositors or principal...

  9. 38 CFR 36.4340 - Underwriting standards, processing procedures, lender responsibility, and lender certification.

    Code of Federal Regulations, 2010 CFR

    2010-07-01

    ... expenditure levels in individual cases. This factor may be given consideration in the final determination in... discounting of income on account of sex, marital status, or any other basis prohibited by the Equal Credit... that a determination can be made that the occupancy requirements of the law will be met. Also...

  10. 13 CFR 108.825 - Purchasing securities from an underwriter or other third party.

    Code of Federal Regulations, 2010 CFR

    2010-01-01

    ... ADMINISTRATION NEW MARKETS VENTURE CAPITAL (âNMVCâ) PROGRAM Financing of Small Businesses by NMVC Companies Structuring Nmvc Company's Financing of Eligible Small Businesses § 108.825 Purchasing securities from an... within 90 days of the date the public offering is first made; (2) Your purchase price is no more than the...

  11. 75 FR 71753 - SSgA Funds Management, Inc., et al.; Notice of Application

    Federal Register 2010, 2011, 2012, 2013, 2014

    2010-11-24

    ... Funds beyond the limitations in section 12(d)(1)(A) and permit certain Funds, and any principal... Shares beyond the limitations in section 12(d)(1)(B) (``Fund of Funds Relief''). Applicants request that... limitation in section 12(d)(1)(A) and permit the Master Funds, and any principal underwriter for the Master...

  12. 78 FR 22366 - Proposed Information Collection (Technical Industry Standards) Activity: Comment Request

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-04-15

    ... Underwriters Laboratory (UL) or the National Fire Protection Association. Contractor must furnish evidence to... item, such as the UL tag on an electrical cord or a tag on a fire-rated door. Items that do not meet the standards or not previously tested must come with a certificate from an acceptable laboratory...

  13. 77 FR 36314 - Self-Regulatory Organizations; NYSE Arca, Inc.; Notice of Filing of Proposed Rule Change Relating...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2012-06-18

    ... registered with the Commission as an open-end management investment company.\\5\\ The investment adviser to the... management of the Fund. Foreside Fund Services, LLC (``Distributor'') is the principal underwriter and...) holds an American-style call on the same security as the call written with an exercise price (a) no...

  14. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2014 CFR

    2014-04-01

    ... 24 Housing and Urban Development 2 2014-04-01 2014-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured 10...

  15. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2012 CFR

    2012-04-01

    ... 24 Housing and Urban Development 2 2012-04-01 2012-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured 10...

  16. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2013 CFR

    2013-04-01

    ... 24 Housing and Urban Development 2 2013-04-01 2013-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured 10...

  17. 24 CFR 203.203 - Issuance and nature of insured 10-year protection plans.

    Code of Federal Regulations, 2010 CFR

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Issuance and nature of insured 10-year protection plans. 203.203 Section 203.203 Housing and Urban Development Regulations Relating to... Underwriting Procedures Insured Ten-Year Protection Plans (plan) § 203.203 Issuance and nature of insured 10...

  18. Code of Practice for the Pastoral Care of International Students: Making a Globalising Industry in New Zealand

    ERIC Educational Resources Information Center

    Lewis, Nicolas

    2005-01-01

    Export education in New Zealand has grown rapidly since 1990, earning significant foreign exchange and underwriting the finance of domestic education. As principal owner of education institutions, the national state is the primary investor. Previous governments treated the "industry" as both windfall and cash-cow as they advanced the…

  19. Testing of a flat conductor cable baseboard system for residential and commercial wiring

    NASA Technical Reports Server (NTRS)

    Hankins, J. D.

    1974-01-01

    The results of extensive testing (mechanical, electrical, chemical, environmental, thermal, and analytical) are reported for a flat conductor cable baseboard system for residential and commercial wiring. In all of the tests, Underwriters Laboratories (UL) Standards, UL Tentative Test Programs, or Accepted Engineering Practices were followed during test selection, test setup, and test accomplishment.

  20. 78 FR 40549 - Companies Holding Certificates of Authority as Acceptable Sureties on Federal Bonds and as...

    Federal Register 2010, 2011, 2012, 2013, 2014

    2013-07-05

    ... column, ``Pennsylvania General Insurance Company (NAIC 21962)6'' should be set in bold-face print as... (NAIC 41181)'' should appear in bold-face print and should read as follows: ``UNIVERSAL UNDERWRITERS INSURANCE COMPANY (NAIC 41181)7.'' 4. On 39458, in the table, in the first column, the entry reading...

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