Overexposure to construction and development loans: The first guideline states that if loans for construction, land development and other land are 100% or more of total risk capital, the institution is considered to have loans concentrations above prudent risk levels, and should have heightened risk management practices.

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Overexposure to construction and development loans: The first guideline states that if loans for construction, land development and other land are 100% or more of total risk capital, the institution is considered to have loan concentrations above prudent risk levels, and should have heightened risk management practices.

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Last month, the FTC notched a win for its guideline approach when the online-advertising industry voluntarily agreed to one of the main privacy recommendations: the development of a "Do Not Track" mechanism that would let users limit Web tracking using a single setting in Web browsing software.

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