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How do loan modifications of one-to-four family residential mortgages impact a bank's risk based capital?

The agencies note that efforts to work with borrowers of one-to-four family residential mortgages as described above, where the loans are prudently underwritten, and not 90 days or more past due or carried in nonaccrual status, will not result in the loans being considered restructured or modified for the purposes of risk-based capital rules.