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TeachMeFinance.com - explain individual minimum capital requirement (IMCR) individual minimum capital requirement (IMCR) -- an order issued by the Office of Thrift Supervision to a savings institution ordering the thrift to hold higher capital than would be required under the agency's regulations, or federal law. IMCRs may be issued to institutions experiencing unusual problems including high exposure to interest rate risk and credit risk, inadequate liquidity, operating problems, inadequate underwriting policies, and low-yielding assets. About the author Mark McCracken Author: Mark McCracken is a corporate trainer and author living in Higashi Osaka, Japan. He is the author of thousands of online articles as well as the Business English textbook, "25 Business Skills in English". Copyright © 2005 by Mark McCracken, All Rights Reserved. TeachMeFinance.com is an informational website, and should not be used as a substitute for professional financial or legal advice. TeachMeFinance.com and its owner recommend consultation with a professional financial advisor prior to any investment or financial decision. Please read our disclaimer.