Loan

Credit News

The U. S. Small Business Administration #montel #williams #loan


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Disaster Loan Applications

If you are in a declared disaster area and have suffered any disaster related damage you may be eligible for federal disaster assistance. Homeowners and Renters must register with the Federal Emergency Management Agency to obtain a FEMA Registration ID Number by calling 1-800-621-3362. You can apply for a disaster loan online.

SBA Disaster Home Loan Application (paper forms)

SBA Form 413 Personal Financial Statement . Download, print form and complete or complete version online and print.

IRS Form 4506-T . Download, Print form and complete or complete version online and print. Please see instructions.

SBA Form 2202 Schedule of Liabilities . Print form and complete. This is a suggested format for the Schedule of Liabilities. The information contained in this schedule is a supplement to your balance sheet and should balance to the liabilities presented on that form. If you need assistance please see instructions.

SBA Form 2202 Schedule of Liabilities instructions . Follow examples 1 through 8 for requested information. You may use your own form if you prefer. Any format is acceptable as long as it includes the information included in the instructions.

All required documents listed in Filing Requirements must be returned. All forms requiring signature must be signed and dated. Incomplete applications will not be accepted.

U.S. Small Business Administration

Processing and Disbursement Center

14925 Kingsport Rd.

Ft. Worth, TX 76155-2243


The U. S. Small Business Administration #monthly #mortgage #calculator


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Advantage Loans

SBA guarantees three types of 7(a) business loans known as Advantage Loans. These are the Small/Rural Lender Advantage Loan . the Community Advantage Loan and the Small Loan Advantage .

The loan provided to the business is the equivalent of a Basic 7(a) Loan—not revolving—allowing the proceeds to be used for regular purposes. What differentiates a Basic 7(a) Advantage Loan from a Basic 7(a) loan is which lenders can get a guarantee. Another difference is the amount of underwriting some lenders must conduct before providing a guarantee. The principal difference is tied to the lender who provides the loan, rather than the structure and purpose of the loan. The Advantage Programs allows selected lenders to obtain 7(a) guarantees on loans they propose to provide to eligible and creditworthy small businesses that meet all the requirements of a Basic 7(a) Loan through an alternative application process.

All the Special Purpose Loan Programs listed above have certain requirements (such as what collateral must be obtained and how the repayment structure of principal and interest) that the SBA imposes on the lender and/or that the lender must impose on the borrower.

These programs also impose certain requirements on the lender for underwriting and closing the loan.


The U. S. Small Business Administration #bank #loan


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Collateral

Collateral is an additional form of security which can be used to assure a lender that you have a second source of loan repayment. Assets such as equipment, buildings, accounts receivable, and (in some cases) inventory are considered possible sources of repayment if they can be sold by the bank for cash. Collateral can consist of assets that are usable in the business as well as personal assets that remain outside the business. This collateral table [link to collateral table in Understanding the Basics/Collateral) shows how different forms of collateral are valued by a typical lender and SBA.

You can assume that all assets financed with borrowed funds will be used as collateral for the loan. Depending on how much equity was contributed by you toward the acquisition of these assets, the lender may require other business assets as collateral.

Certified appraisals are required for loans greater than $250,000 secured by commercial real estate. The SBA may require professional appraisals of both business and personal assets, plus any necessary survey and/or feasibility study. When real estate is being used as collateral, banks and other regulated lenders are required by law to obtain third-party valuation on transactions of $50,000 or more.

Your Home or Personal Assets May Be Considered as Collateral

Owner-occupied residences generally become collateral when:

The lender requires the residence as collateral

The equity in the residence is substantial and other credit factors / sources of collateral are weak

Such collateral is necessary to assure that the principal(s) remain committed to the success of the venture for which the loan is being made

You operate the business out of the residence or other buildings located on the same parcel of land

To the extent that worthwhile assets are available, adequate collateral is required as security on all SBA loans. However, the SBA will generally not decline a loan when inadequacy of collateral is the only unfavorable factor.

For all SBA loans, personal guaranties are required from every owner of 20 percent or more of the business, as well as from other individuals who hold key management positions. Whether a guaranty will be secured by personal assets or not is based on the value of the assets already pledged and the value of the assets personally owned compared to the amount borrowed.


The U. S. Small Business Administration #loans #compare


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Business Loan Application Checklist

SBA is not the only source for small-business loans. State and local economic-development agencies – and numerous nonprofit organizations – provide low-interest loans to small business owners who may not qualify for traditional commercial loans.

When it comes to applying for these loans, the good news is that most of these other lenders require the same kinds of information. Of course, each loan program has specific forms you need to fill out. But for the most part, you’ll need to submit the same types of documentation. So it’s a good idea to gather what you’ll need before you even start the application process.

Loan Application Form

Forms vary by program and lending institution, but they all ask for the same information. You should be prepared to answer the following questions. It’s a good idea to have this information prepared before you fill out the application:

Why are you applying for this loan?

Who are the members of your management team?

Either as part of the loan application or as a separate document, you will likely need to provide some personal background information, including previous addresses, names used, criminal record, educational background, etc.

Resumes

Some lenders require evidence of management or business experience, particularly for loans that can be used to start a new business.

Business Plan

All loan programs require a sound business plan to be submitted with the loan application. The business plan should include a complete set of projected financial statements, including profit and loss, cash flow and balance sheet.

Here are some resources for preparing your business plan:

Personal Credit Report

Your lender will obtain your personal credit report as part of the application process. However, you should obtain a credit report from all three major consumer credit rating agencies before submitting a loan application to the lender. Inaccuracies and blemishes on your credit report can hurt your chances of getting a loan approved. It’s critical you try to clear these up before beginning the application process.

Business Credit Report

If you are already in business, you should be prepared to submit a credit report for your business. As with the personal credit report, it is important to review your business’ credit report before beginning the application process.

Income Tax Returns

Most loan programs require applicants to submit personal and business income tax returns for the previous three years.

Financial Statements

Many loan programs require owners with more than a 20 percent stake in your business to submit signed personal financial statements.

You may also be required to provide projected financial statements either as part of, or separate from your business plan. It is a good idea to have these prepared and ready in case a program for which you are applying requires these documents to be submitted individuall.

The following forms may be used to prepare your projected financial statements:

Balance Sheet

Cash Flow

Bank Statements

Many loan programs require one year of personal and business bank statements to be submitted as part of a loan package.

Accounts Receivable and Accounts Payable

Most loan programs require details of a business’s most current financial position. Before you begin the loan application process, make sure you have accounts receivable and accounts payable.

Collateral

Collateral requirements vary greatly. Some loan programs do not require collateral. Loans involving higher risk factors for default require substantial collateral. Strong business plans and financial statements can help you avoid putting up collateral. In any case, it is a good idea to prepare a collateral document that describes cost/value of personal or business property that will be used to secure a loan.

Legal Documents

Depending on a loan’s specific requirements, your lender may require you to submit one or more legal documents. Make sure you have the following items in order, if applicable:


The U. S. Small Business Administration #loans #till #payday


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SBA Loans

If you’re planning to start a business or expand an existing business, you might need financing help. SBA participates in a number of loan programs designed for business owners who may have trouble qualifying for a traditional bank loan.

To start the process, you should visit a local bank or lending institution that participates in SBA programs. SBA loan applications are structured to meet SBA requirements, so that the loan is eligible for an SBA guarantee. This guarantee represents the portion of the loan that SBA will repay to the lender if you default on your loan payments.

The SBA Loan Application Checklist provides a listing of forms and documents you and your lender will need to create a loan package to submit to SBA.

The following are direct links to information about commonly requested SBA programs:

Starting and Expanding Businesses

Gives 7(a) loans to eligible borrowers for starting, acquiring and expanding a small business. This type of loan is the most basic and the most used within SBA’s business loan programs. Borrowers must apply through a participating lender institution.

Provides growing businesses with long-term, fixed-rate financing for major fixed assets, such as land and buildings.

Offers very small loans to start-up, newly established or growing small business concerns. SBA makes funds available to nonprofit community based lenders which, in turn, make loans to eligible borrowers in amounts up to a maximum of $50,000. Applications are submitted to the local intermediary and all credit decisions are made on the local level.

Disaster Loans

Provide financial assistance to victims of disasters or to individuals in a declared disaster area. You may be eligible for this type of loan even if you don’t own a business.

Assist small businesses, small agricultural cooperatives and nonprofit organizations as they recover from economic losses resulting from physical disaster or an agricultural production disaster.

Export Assistance Loans

Provide exporters and lenders with a streamlined method of obtaining financing for loans and lines of credit up to $500,000. Lenders use their own credit decision process and loan documentation; exporters get access to their funds faster. SBA provides an expedited eligibility review with a response in less than 24 hours.

Offers loans targeted at businesses that are able to generate export sales but need additional working capital to support these opportunities.

Gives term loans that are designed for businesses that plan to start/continue exporting or those that that have been adversely affected by competition from imports. The proceeds of the loan must enable the borrower to be in a better position to compete.

Veteran and Military Community Loans

Offers funds to eligible small businesses to meet ordinary and necessary operating expenses that could have been met, but are unable to meet, because an essential employee was “called-up” to active duty in their role as a military reservist.

Special Purpose Loans

Help small businesses meet their short-term and cyclical working-capital needs through the SBA umbrella program called CAPLines.

Provides financing to eligible small businesses for the planning, design or installation of a pollution control facility.

CAIP is a program established to assist U.S. companies that are doing business in areas of the country that have been negatively affected by the North American Free Trade Agreement ( NAFTA ). To be eligible, a business must reside in a county noted as being negatively affected by NAFTA, based on job losses and the unemployment rate of the county.


Remote Windows Desktop Management and Desktop Administration Software – ManageEngine Desktop Central #windows #desktop #management #software, #remote #windows #desktop #administration #software, #configuring #windows #desktops, #remote #windows #desktop #configuration, #desktop #management, #windows #patch #management, #install #patches, #inventory #management, #software #inventory, #hardware #inventory, #install #software, #software #deployment, #software #distribution, #software #installation, #service #pack #installation, #install #service #packs, #remote #desktop #sharing, #share #desktops, #active #directory #reports, #user #logon #reports, #windows #system #tools, #disk #cleanup, #check #disk, #disk #defragmentor, #disk #defrag, #windows #2000, #xp, #2003, #vista, #lan, #wan, #branch #offices


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Features

Integration with other ManageEngine products

ServiceDesk Plus is a web-based Help Desk software, offered by ManageEngine. By integrating Desktop Central with ServiceDesk Plus, it enhances the value of your IT services. This integration let’s you to perform entire desktop and mobile device management activities within a single console.

ServiceDesk Plus On-Demand is a cloud-based help desk software offered by ManageEngine. By integrating Desktop Central with ServiceDesk Plus On-Demand, it enables you to combine your regular desktop and mobile device management activities in a simple and secure manner with SaaS based help desk management.

OS Deployer, helps to create a master image of the OS and deploy them to desktops and servers from a central location. By integrating with Desktop Central, new computers will automatically become the part of the managed computers without requiring any additional configurations

Asset Explorer is an asset management software. By integrating with Desktop Central, you can fetch accurate inventory details of all the hardware, software assets in your organization.

Integration with other products

ServiceNow is a leading web-based help desk solutions that helps in modern IT service management. Integrate Desktop Central with ServiceNow, to experience improved incident handling. This integration helps you to perform Desktop Central’s service operation tasks directly from ServiceNow Console.

Spiceworks is a help desk software that can be hosted both On-premises and On-cloud. Desktop Central’s integration with Spiceworks allows you to perform desktop management activities on Spiceworks console with a single sign on.

Customer Success Stories

We had a general lack of resource and found Software deployment and desktop management to be very time consuming. Desktop central has managed to greatly simplify this process. Deploying Desktop Central was really quick and easy. It was competitively priced, and we found it to be the simplest and most effective desktop management tool that we have ever used.

System Support Manager, Plan UK


Uncontested Divorce – DIY Forms #court, #courts, #new #york, #new #york #state, #new #york #city, #nyc, #nys, #ny, #ucs, #oca, #new #york #state #unified #court #system, #unified #court #system, #office #of #court #administration, #ecourts, #e-courts, #casetrac, #case #trac, #casetrak, #case #trak, #casetrack, #case #track, #future #court #appearance #system, #webcrims, #county, #civil, #family, #housing, #commercial, #supreme, #appeals, #appellate, #claims, #small #claims, #divorce, #law, #litigant, #litigation, #attorney, #lawyer, #cle, #juror, #jury, #jury #duty, #judge, #chief #judge, #justice, #judicial, #judiciary, #legal #forms, #court #rules, #decisions, #jury #charges, #law #libraries, #legal #research, #court #news, #town #court


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Uncontested Divorce Program

Aviso: Este programa es en ingl s, pero obtendr su traducci n al pulsar sobre ESPA OL. Deber responder en ingl s o el tribunal rechazar sus documentos.

An “uncontested” divorce is where both you and the person you want to divorce agree to divorce and there is an agreement about what will happen to your finances and property after the divorce. [Learn more about Divorce ]

You can use this program if:

  • You and the person you want to divorce are over 18 years of age,
  • You and the person you want to divorce have no “children” under 21 years of age ,
  • Your marriage has been over for at least 6 months and your relationship can’t be saved, AND
  • All marital property issues, including debt, have been settled.

Information Checklist

You will need the following information with you when you use this program:

  • The name, previous last names (if any), current address, social security number, and phone number of the person you want to divorce.
  • A copy of your marriage certificate.
  • If you have any of the following: Settlement Agreement, Order of Protection, etc.
  • If you have an extreme financial hardship and can’t afford the court fees: information about your income, the things you own, and how much you spend a month on utilities and rent.

Download and print the checklist of information you will need to complete this program.

Start

Note: You will be taken to our partner website called LawHelp Interactive.

You can Sign Up to Save Your Work or go directly to the program without signing up by clicking on Get Started or Go . Then check to agree to the Terms of Use and click on Continue to begin the program.

About DIY Forms

Who Can Use These Programs?
You can use DIY Forms if:

  • you’re a court user and you don’t have a lawyer;
  • you’re a legal services provider;
  • you’re a pro bono lawyer. Pro bono lawyers filing a DIY Form must submit thispro bono affirmation .
  • you’re from a low-bono (reduced fee) program recognized and authorized to use the DIY Form programs by the NYS Courts Access to Justice Program. You must submit this low-bono affirmation with the filing.

Commercial use is prohibited and no one may charge for using these programs. When you begin the program, you will be asked to accept these terms of use.

Computer Requirements
In order to use DIY Form programs, make sure you have the following:

Note: If you’re on a Mac and do not have Microsoft Word, this program will not work for you.

Help Using DIY Forms
See Frequently Asked Questions for help using DIY Form programs.

Related Information:


Blog: Obama administration pushing home loans for people with bad credit #car #loans #rates


#bank loans for people with bad credit
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Obama administration pushing home loans for people with bad credit

In the last few years, Wall Street has once again begun to gamble recklessly in the mortgage security market. And now we find out that the administration is pushing home loans for those same marginal consumers.

The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.

President Obama’s economic advisers and outside experts say the nation’s much-celebrated housing rebound is leaving too many people behind. including young people looking to buy their first homes and individuals with credit records weakened by the recession.

In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.

Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.

Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today’s low interest rates. among other steps.

Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.

“If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from,” said Ed Pinto. a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.

Banks and mortgage companies are extremely leery of lending to these customers because the Dodd-Frank financial reform bill criminalized the process. If a consumer defaults on a loan, they can go to the new enforcement agency, the Consumer Financial Protection Bureau, and lodge a complaint against the lender that they were had – they didn’t understand the terms of the loan. If found guilty, the offender can go to prison for a long time. This is a decided discouragement against giving loans to people who are likely to default.

So what’s the rush? if consumers have “weak” credit as a result of the recession, let them build it back up by living within their means and paying their bills on time. And why should the taxpayer be on the hook for someone who has demonstrated in the past that they are irresponsible?

There are still millions of unsold housing units out there with the prospect that many of them will never be inhabited again. Some neighborhoods in Florida and Nevada still look like ghost towns. This is hardly the time to be pushing marginal credit risks into taking tens of thousands of dollars in new debt.

The definition of crazy is doing the same thing over and over while getting the same result. During the early 2000’s, the government – and Wall Street – urged banks and mortgage companies to lower their standards and give creative loans to people with bad or marginal credit. The result? An epic meltdown that we are strill trying to recover from today.

In the last few years, Wall Street has once again begun to gamble recklessly in the mortgage security market. And now we find out that the administration is pushing home loans for those same marginal consumers.

The Obama administration is engaged in a broad push to make more home loans available to people with weaker credit, an effort that officials say will help power the economic recovery but that skeptics say could open the door to the risky lending that caused the housing crash in the first place.

President Obama’s economic advisers and outside experts say the nation’s much-celebrated housing rebound is leaving too many people behind. including young people looking to buy their first homes and individuals with credit records weakened by the recession.

In response, administration officials say they are working to get banks to lend to a wider range of borrowers by taking advantage of taxpayer-backed programs — including those offered by the Federal Housing Administration — that insure home loans against default.

Housing officials are urging the Justice Department to provide assurances to banks, which have become increasingly cautious, that they will not face legal or financial recriminations if they make loans to riskier borrowers who meet government standards but later default.

Officials are also encouraging lenders to use more subjective judgment in determining whether to offer a loan and are seeking to make it easier for people who owe more than their properties are worth to refinance at today’s low interest rates. among other steps.

Obama pledged in his State of the Union address to do more to make sure more Americans can enjoy the benefits of the housing recovery, but critics say encouraging banks to lend as broadly as the administration hopes will sow the seeds of another housing disaster and endanger taxpayer dollars.

“If that were to come to pass, that would open the floodgates to highly excessive risk and would send us right back on the same path we were just trying to recover from,” said Ed Pinto. a resident fellow at the American Enterprise Institute and former top executive at mortgage giant Fannie Mae.

Banks and mortgage companies are extremely leery of lending to these customers because the Dodd-Frank financial reform bill criminalized the process. If a consumer defaults on a loan, they can go to the new enforcement agency, the Consumer Financial Protection Bureau, and lodge a complaint against the lender that they were had – they didn’t understand the terms of the loan. If found guilty, the offender can go to prison for a long time. This is a decided discouragement against giving loans to people who are likely to default.

So what’s the rush? if consumers have “weak” credit as a result of the recession, let them build it back up by living within their means and paying their bills on time. And why should the taxpayer be on the hook for someone who has demonstrated in the past that they are irresponsible?

There are still millions of unsold housing units out there with the prospect that many of them will never be inhabited again. Some neighborhoods in Florida and Nevada still look like ghost towns. This is hardly the time to be pushing marginal credit risks into taking tens of thousands of dollars in new debt.


Masters of Business Administration #und #mba, #master’s #of #business #administration, #mba, #online #mba, #distance #mba


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MBA Program

The Master of Business Administration (MBA) program at the University of North Dakota has recently approved a brand new curriculum, which will take effect in the fall 2017 semester. This new curriculum has been designed to appeal to students from a variety of industries and includes four main learning modules: executive management, business analytics, financial economic analysis, and strategy. This collection of modules will allow students to develop knowledge of advanced business functions, decision-making skills, and an understanding of internal and external factors affecting management of organizations. Additionally, a feature of the new curriculum is three exciting concentration opportunities which allow students to tailor their MBA experience to fit their specific learning objectives.

The UND MBA program holds AACSB accreditation and a #29 ranking from the U.S. News World Report, which affirm the program’s high standards and faculty qualifications. In addition, this program is unique in that it provides an interactive learning experience for students through synchronous course delivery and small class sizes.

Are you ready to get started? Visit the “Apply Now” link to begin your application to the MBA program.

Delivery Options

ON-CAMPUS + ONLINE = ENDLESS POSSIBILITIES

All courses are offered in a hybrid format. Each class has a group of local students, attending on-site at UND, and also has distance students who enter the classroom remotely from any location. This technology allows synchronous (real-time) delivery of the program to students in any location, as long as they have access to the required equipment.

All students (whether receiving instruction on-site or online) are required to attend the “live” class. To accommodate working professionals, almost all MBA courses are offered in the evening (7:00 p.m. to 10:00 p.m. CST).

Rankings

The MBA Program is honored to receive top rankings by The Princeton Review and US News World Report from 2014 to 2017. To read more about the rankings please select the links below.

Apply Now


OSHA s Final Rule to Protect Workers from Exposure to Respirable Crystalline Silica #health #administration, #dsg #silica #rulemaking


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UNITED STATES
DEPARTMENT OF LABOR

Rule requires engineering controls to keep workers from breathing silica dust

The Occupational Safety and Health Administration (OSHA) has issued a final rule to curb lung cancer, silicosis, chronic obstructive pulmonary disease and kidney disease in America’s workers by limiting their exposure to respirable crystalline silica. The rule is comprised of two standards, one for Construction and one for General Industry and Maritime.

OSHA estimates that the rule will save over 600 lives and prevent more than 900 new cases of silicosis each year, once its effects are fully realized. The Final Rule is projected to provide net benefits of about $7.7 billion, annually.

About 2.3 million workers are exposed to respirable crystalline silica in their workplaces, including 2 million construction workers who drill, cut, crush, or grind silica-containing materials such as concrete and stone, and 300,000 workers in general industry operations such as brick manufacturing, foundries, and hydraulic fracturing, also known as fracking. Responsible employers have been protecting workers from harmful exposure to respirable crystalline silica for years, using widely-available equipment that controls dust with water or a vacuum system.

Key Provisions

  • Reduces the permissible exposure limit (PEL) for respirable crystalline silica to 50 micrograms per cubic meter of air, averaged over an 8-hour shift.
  • Requires employers to: use engineering controls (such as water or ventilation) to limit worker exposure to the PEL; provide respirators when engineering controls cannot adequately limit exposure; limit worker access to high exposure areas; develop a written exposure control plan, offer medical exams to highly exposed workers, and train workers on silica risks and how to limit exposures.
  • Provides medical exams to monitor highly exposed workers and gives them information about their lung health.
  • Provides flexibility to help employers especially small businesses protect workers from silica exposure.

Compliance Schedule

Both standards contained in the final rule take effect on June 23, 2016. after which industries have one to five years to comply with most requirements, based on the following schedule :

Construction – September 23, 2017. OSHA delayed enforcement in order to conduct additional outreach and provide educational materials and guidance for employer. See the memorandum .

General Industry and Maritime – June 23, 2018, two years after the effective date.

Hydraulic Fracturing – June 23, 2018, two years after the effective date for all provisions except Engineering Controls, which have a compliance date of June 23, 2021.

Background

The U.S. Department of Labor first highlighted the hazards of respirable crystalline silica in the 1930s, after a wave of worker deaths. The department set standards to limit worker exposure in 1971, when OSHA was created. However, the standards are outdated and do not adequately protect workers from silica-related diseases. Furthermore, workers are being exposed to silica in new industries such as stone or artificial stone countertop fabrication and hydraulic fracturing.

A full review of scientific evidence, industry consensus standards, and extensive stakeholder input provide the basis for the final rule, which was proposed in September 2013. The rule-making process allowed OSHA to solicit input in various forms for nearly a full year. The agency held 14 days of public hearings, during which more than 200 stakeholders presented testimony, and accepted over 2,000 comments, amounting to about 34,000 pages of material. In response to this extensive public engagement, OSHA made substantial changes, including enhanced employer flexibility in choosing how to reduce levels of respirable crystalline silica, while maintaining or improving worker protection.

More Information and Assistance

OSHA looks forward to working with employers to ensure that all workers exposed to respirable crystalline silica realize the benefits of this final rule. Please check back for frequent updates on compliance assistance materials and events, and learn about OSHA’s on-site consulting services for small business .

OSHA approved State Plans have six months to adopt standards that are at least as effective as federal OSHA standards. Establishments in states that operate their own safety and health plans should check with their State Plan for the implementation date of the new standards.