New FDIC can get grant a lender tentative approval to use this new methodology while the FDIC takes into account it in detail When estimating an effective PD with regards to the general standards discussed over was unduly cutting-edge otherwise burdensome, a bank that’s not expected to determine PDs to have overseas consumer financing according to the criteria of your Basel II capital design may: (1) Get rid of the borrowed funds because an unscorable personal bank loan subject to brand new de minimis method explained significantly more than; otherwise (2) complete a composed request for the FDIC to use its own methods, but could maybe not use the strategy up to approved by the FDIC.