Troubled debt restructurings are on the rise, and they're causing regulatory headaches for bankers worried about how to properly designate and disclose the modified loans.

Though regulators are encouraging banks to work with borrowers, bankers are wary of what they see as the not fully considered consequences. Specifically, they want assurances that examiners will not turn around and demand the restructured loans be classified. Yet even defining what constitutes a restructuring is proving difficult.

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