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With respect to external credit assessment institutions (ECAIs), banks may: A. Use ECAIs that make publicly available their procedures and methodologies used to rate issues. B. Change the use of ECAIs at will. C. Use separate ECAIs for risk management and for the risk-weighting of assets for capital purposes. D. Choose not to follow the rating for risk-weighting purposes if the rating is lower than the bank believes it should be. |