Business and Personal Finance Dictionary

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• INDIVIDUAL MINIMUM CAPITAL REQUIREMENT (IMCR)
  
  an order issued by the Office of Thrift Supervision to a savings institution ordering the thrift to hold higher capital than would be required under the agency's regulations, or federal law. IMCRs may be issued to institutions experiencing unusual problems including high exposure to interest rate risk and credit risk, inadequate liquidity, operating problems, inadequate underwriting policies, and low-yielding assets.
  
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