# Risk-Based Capital Guidelines; Capital Adequacy Guidelines; Capital Maintenance; Capital-Residential Mortgage Loans Modified Pursuant to the Home Affordable Mortgage Program
> **US Federal Reserve System** · Final rule. · Published 2009-11-20 · Effective 2009-12-21 · 74 FR 60137
## Document
- **Document number:** E9-27776
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 74 FR 60137
- **CFR reference:** 12 CFR 3
- **Publication date:** 2009-11-20
- **Effective date:** 2009-12-21
- **Docket:** Docket ID OCC-2009-0018
## Abstract

The agencies have adopted a final rule to allow banks, savings associations, and bank holding companies (collectively, banking organizations) to risk weight for purposes of the agencies' capital guidelines mortgage loans modified pursuant to the Home Affordable Mortgage Program (Program) implemented by the U.S. Department of the Treasury (Treasury) with the same risk weight assigned to the loan prior to the modification so long as the loan continues to meet other applicable prudential criteria.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2009/11/20/E9-27776/risk-based-capital-guidelines-capital-adequacy-guidelines-capital-maintenance-capital-residential)
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