Our Audit Dept. performs loan reviews for credit extended to directors, employees, principal shareholders, etc. However, we also go above and beyond to include reviews of loans made to director and employee related parties (children, spouses, parents, live-ins, siblings, etc.) to ensure that loans are made w/ the same rates/terms available to the general public. Does anyone else out there do this, or do you limit it to only directors, employees, princ. shareholders? Are we looking at too much?

The OCC looks at loans to spouses, etc. when reviewing loans to insiders. This is done to see if loans were made in an attempt to avoid the requirements of Reg O.