The best Side of 228 loan
The best Side of 228 loan
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(two) A retail lending assessment place might not prolong outside of a Condition boundary Except the retail lending evaluation region is made up of counties inside a multistate MSA.
The Board evaluates a limited objective financial institution's Group improvement funding efficiency in Every single Point out or multistate MSA, as relevant pursuant to §§ 228.
(one) For financial institutions that maintain an internet site, all info demanded for that bank's general public file under this part have to be managed over the financial institution's Site.
implies, notwithstanding the definition of “small enterprise” During this section, a loan included in “loans to little organizations” as documented in Program RC-C of the Call Report.
(A) Combines the effectiveness scores for every supporting conclusion for every important solution line into a product line rating; and
스팸 게시물이 확대 생성되는 것을 방지하기 위하여 문구 및 사용 제한기간을
(B) For each of a financial institution's facility-centered evaluation areas in a nonmetropolitan region, the Nonmetropolitan Nationwide Community Development Funding Benchmark actions the dollar quantity of Group development loans and community growth investments that profit or provide nonmetropolitan spots in the nationwide spot for all big depository institutions in comparison with deposits situated in nonmetropolitan places from the nationwide place for all large depository institutions.
The Board seeks to act on a draft plan inside of ninety calendar times following the Board gets the complete draft system along with other components necessary pursuant to paragraph (file) of this part.
(7) Details indicating the credit history demands of the ability-centered assessment area or retail lending assessment area will not be being satisfied by lenders in the combination, these types of that the relevant benchmarks do not sufficiently replicate Group credit requirements.
An intermediate bank or a small bank for which vehicle loans are a product line might obtain and preserve in a structure with the bank's selecting, together with in an Digital type prescribed via the Board, until finally the completion in the lender's following CRA evaluation wherein the data are evaluated, the data described in paragraphs (a)(2)(iii)(A) by way of (F) of this area for every auto loan originated or procured via the bank through the evaluation time period.
(x) An indicator for whether or not the loan was to a company or farm for which gross annual revenues will not be regarded via the bank.
Assignments to revitalize or stabilize a specific census tract which include both of those professional and household factors qualify as revitalization or stabilization pursuits below this paragraph (e)(2), if:
The Board considers the loans, financial investment, products and services, and products and solutions of a bank's functions subsidiaries underneath 228 loan this element, Unless of course an functions subsidiary is independently subject matter for the CRA.