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Farmland Collateral Risk

FCA is closely monitoring rapidly rising farmland values, especially in the Midwest, and the potential effects of this trend on lenders that make loans backed by farmland. Since farmland accounts for about 85 percent of all farm assets, a significant drop in farmland values could have a dramatic impact on the safety and soundness of Farm Credit System institutions.

To help System lenders more effectively measure the risk they face from changes in farmland values, FCA has developed the following guidance.

On February 17, 2011, FCA hosted a Regulators Roundtable to facilitate discussion among financial regulators about agricultural land values and associated risks to loan collateral. FCA sought to encourage a broad-based interchange on the appropriate regulator response to these risks, as well as to foster a productive working relationship among regulators on the topic. The following presentations were delivered at this meeting.