What is the Qualified thrift Lender Test?
In addition, the HOLA prescribes for thrifts a “qualified thrift lender test,” which means that thrifts must generally maintain at least 65% of their portfolio assets in “qualified thrift investments” (primarily residential mortgages and consumer related investments, including some mortgage-backed securities) in at …
What is a QTL test?
Quantitative trait locus (QTL) analysis is a statistical method that links two types of information—phenotypic data (trait measurements) and genotypic data (usually molecular markers)—in an attempt to explain the genetic basis of variation in complex traits (Falconer & Mackay, 1996; Kearsey, 1998; Lynch & Walsh, 1998).
What is QTL in banking?
The Office of the Comptroller of the Currency’s (OCC) Comptroller’s Handbook booklet, “Qualified Thrift Lender,” provides guidance on how a federal savings association (FSA) can meet the Qualified Thrift Lender (QTL) requirement. An FSA is required to be a QTL by the Home Owners’ Loan Act (HOLA).
What are the services performed by thrift banks?
While a thrifts’ core offerings are traditional savings accounts and home loan origination, these institutions also offer checking accounts, personal and car loans, and credit cards for consumers. However, they give primary attention to home financing for single-family residences.
What does QTL stand for?
QTL
| Acronym | Definition |
|---|---|
| QTL | Qualcomm Technology Licensing |
| QTL | Qualified Thrift Lender |
| QTL | Quicktime Link (file extension) |
| QTL | Quality Teaching and Learning (Centers for Quality Teaching and Learning; Raleigh, NC) |
What are the prerequisites of QTL mapping?
The requirements of QTL mapping are mapping population, saturated linkage map, phenotypic screening and statistical package. Ideally markers should be <5 cm from a gene or QTL. Using a pair of flanking markers can greatly improve reliability but increases time and cost.
What is the role of thrift banks?
The thrift banks are formed to offer their customers mortgage loan facilities and enable them to make savings from time to time. These banks also function to offer mortgages at lower cost and savings accounts that pay a higher rate of interest in comparison to national and international banking institutions.
What is the difference between a bank and a thrift?
Thrifts also refer to credit unions and mutual savings banks that provide a variety of savings and loan services. Thrifts differ from commercial banks in that they can borrow money from the Federal Home Loan Bank System, which allows them to pay members higher interest.
What does QTL mean in texting?
QTL
| Acronym | Definition |
|---|---|
| QTL | Quick Translation (Firefox add-on tool) |
| QTL | Qualcomm Technology Licensing |
| QTL | Qualified Thrift Lender |
| QTL | Quicktime Link (file extension) |
What is the difference between QTL and Gwas?
The basic difference between GWAS and QTL mapping is that GWAS studies the association between alleles and and a binary trait, such as being a sufferer of a disease, while QTL analysis deals with the contribution of a locus to variation in continuous trait like height.
Why QTL mapping is done?
The primary purpose of QTL mapping is to localize chromosomal regions that significantly affect the variation of quantitative traits in a population. This localization is important for the ultimate identification of responsible genes and also for our understanding of genetic mechanisms of the variation.
What is the downside about creating QTLS for research?
QTL mapping give low resolution but give you high statistical power for detecting a QTL. The disadvantage is that you are limited to the genetic diversity present into the parents of your segregating population. You could think of using advanced intercrosses for increasing the resolution.
Who is responsible for compliance with the QTL test?
Electing banks and their primary federal bank supervisor are responsible for assessing compliance with the QTL test. In the case of electing banks that are state member banks, Federal Reserve examiners must confirm these institutions’ QTL status during each full scope examination.
How does an electing Bank meet the QTL test?
In order to meet the QTL test, either (i) 65 percent or more of the electing bank’s portfolio assets must be qualified thrift investments (QTIs), or (ii) the electing bank must qualify as a domestic building and loan association as defined in the Internal Revenue Code.
When do Federal Reserve examiners confirm QTL status?
In the case of electing banks that are state member banks, Federal Reserve examiners must confirm these institutions’ QTL status during each full scope examination. Safety and soundness examiners should consider the attached examination procedures when assessing the QTL compliance of electing banks.
How to calculate qualified thrift investments section 10 ( m )?
Qualified Thrift Investments Section 10 (m) of HOLA provides instructions for calculating the proportion of an electing bank’s portfolio assets that are QTIs. An electing bank’s amount of QTIs equals the sum of (i) assets that are includable without limit and (ii) assets that are includable up to 20 percent of portfolio assets.
