About 228 loan
About 228 loan
Blog Article
signifies a company intended to provide, in influence, to be a independently incorporated Section in the lender, doing, at places at which the financial institution is licensed to have interaction in enterprise, capabilities which the bank is empowered to execute immediately.
means a bank that isn't during the company of extending shut-finish house mortgage loans, modest business enterprise loans, small farm loans, or automobile loans evaluated under § 228.
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(B) The Board evaluates the modest lender for that evaluation period preceding the bank's future CRA evaluation pursuant into the Retail Lending Check in § 228.22 and continues evaluations under this functionality examination for subsequent analysis durations right up until the lender opts out.
For a little bank evaluated under the Compact Lender Lending Check, the Board premiums the lender's overall performance below this section as offered in appendix E to this element.
(ii) If a considerable lender is not issue to reporting underneath 12 CFR part 1003 due to The placement of its branches, but would usually meet the house Home loan Disclosure Act (HMDA) measurement and lending activity necessities pursuant to 12 CFR part 1003, the bank ought to acquire and sustain, in electronic form, as prescribed by the Board, till the completion from the lender's next CRA evaluation by which the data are evaluated, the next information, for each shut-conclude residence home loan loan, excluding multifamily loans, originated or acquired over the analysis period:
(6) A financial institution's closed-finish house property finance loan lending, compact business enterprise lending, tiny farm lending, or car lending in distressed or underserved nonmetropolitan Center-profits census tracts exactly where a lender's nonmetropolitan facility-based assessment click here area or nonmetropolitan retail lending evaluation area involves very few or no minimal- and moderate-profits census tracts; and
) A financial institution may well use alternative weights for combining the borrower and geographic distribution analyses for significant products line(s) or other loan goods.
(5) A summary of retail banking products and services (such as hrs of Procedure, available loan and deposit items, and transaction expenses) generally supplied for the lender's branches and descriptions of fabric dissimilarities in The supply or price of expert services at individual branches, if any.
The Board may alter a confined objective bank's institution score from “Satisfactory” to “Superb” exactly where a bank requests and gets more thing to consider for services that would qualify underneath the Group Enhancement Solutions Check in § 228.25.
(A) A bank may perhaps specify once-a-year measurable targets for community enhancement loans, Local community advancement investments, or both. The financial institution should foundation any yearly measurable plans as being a proportion or ratio on the bank's Group advancement loans and Local community development investments for all or selected varieties of community development explained in § 228.
A significant lender have to gather and preserve, inside of a format on the lender's choosing or inside of a standardized format, as supplied by the Board, till the completion of the financial institution's up coming CRA examination through which the information are evaluated, the next Neighborhood growth expert services facts:
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) The variety of retail banking products and services and retail banking merchandise provided via electronic shipping units together with other shipping and delivery devices; and