A concurrent resolution expressing the sense of Congress that Federal bank regulatory agencies should require their examiners to exercise caution and restraint in adversely classifying loans made to independent oil and gas producers.

Declares that it is the sense of Congress that the Federal bank regulatory agencies, when examining bank loans to independent oil and gas producers experiencing financial difficulties, should require their examiners to consider other specified factors in addition to cash flow as long as high interest rates and high cost of production continue to impair the abilities of such borrowers to meet loan repayment schedules.