12 USC 252 - Credit availability assessment

U.S Code last checked for updates: Jan 18, 2025

§ 252.

Credit availability assessment

(a)

Study

(1)

In general

(2)

Contents of study

The study required under paragraph (1) shall identify, to the extent practicable, those factors which provide policymakers with insights into the small business credit market, including—

(A)

the demand for small business credit, including consideration of the impact of economic cycles on the levels of such demand;

(B)

the availability of credit to small businesses;

(C)

the range of credit options available to small businesses, such as those available from insured depository institutions and other providers of credit;

(D)

the types of credit products used to finance small business operations, including the use of traditional loans, leases, lines of credit, home equity loans, credit cards, and other sources of financing;

(E)

the credit needs of small businesses, including, if appropriate, the extent to which such needs differ, based upon product type, size of business, cash flow requirements, characteristics of ownership or investors, or other aspects of such business;

(F)

the types of risks to creditors in providing credit to small businesses; and

(G)

such other factors as the Board deems appropriate.

(b)

Use of existing data

(Pub. L. 104–208, div. A, title II, § 2227, Sept. 30, 1996, 110 Stat. 3009–417.)

cite as: 12 USC 252