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Environmental Bankers Association (EBA)
is a non-profit trade association that represents the financial services industry, including bank and non-bank financial institutions, insurers, and those who provide services to them.
Mission & Purpose
We promote best practices that protect and preserve net income and assets of banks, other financial institutions, and allied industries from environmental risk and liability resulting from lending and asset management activities. Our business focuses on three Environmental banking areas:
Environmental Policy Development; Environmental Risk Evaluation; and Environemtnal Risk Mitigation.
With the heightened scrutiny from regulatory agencies, which include the SEC, FDIC, OCC, and SBA, along with competitive pressure to approve deals, environmental risk is still the last issue to evaluate when approving commercial real estate transactions.More
Potential environmental concerns associated with real property collateral represent a significant risk exposure. Although lenders may have secured creditor liability exemptions, in order to qualify for the exemption, lenders must demonstrate proper due diligence prior to lending and foreclosing.More
Upon completing environmental risk evaluation (due diligence) including cost-to-cure and the time-to-cure, bankers generally have a better understanding of the environmental conditions associated with their collateral. Depending on the issue, there are a host of environmental risk mitigates that can help to get the deal done.More