The best Side of 228 loan
The best Side of 228 loan
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The Board evaluates a small financial institution's file of assisting to satisfy the credit score desires of its entire Group pursuant to the Modest Financial institution Lending Take a look at as provided in paragraph (a)(2) of the segment, Except the tiny lender opts to become evaluated pursuant to your Retail Lending Examination in § 228.22.
A lender required to report house mortgage loan knowledge pursuant to 12 CFR element 1003 need to contain in its public file a composed detect that the financial institution's HMDA Disclosure Assertion can be obtained on The buyer Economic Protection Bureau's (CFPB's) Web-site at:
The Board considers Local community progress loans and Local community progress investments allotted pursuant to paragraph I.b of appendix B to this part.
(B) Other than as supplied in § 228.fifty one(e), a large financial institution having a combined whole of ten or even more facility-based assessment spots and retail lending assessment places in almost any Point out or multistate MSA, as applicable, or with the institution may not receive a ranking of “Satisfactory” or “Exceptional” in that Condition or multistate MSA, as relevant, or for your institution, Until the lender gets an General summary of a minimum of “Low Satisfactory” in 60 % or more of the full quantity of its facility-primarily based assessment regions and retail lending assessment spots in that Condition or multistate MSA, as applicable, or for your establishment.
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For each main product or service line, a Geographic Group Benchmark, calculated pursuant to paragraph III.c of appendix A to this component for facility-based mostly assessment parts and retail lending evaluation parts, and paragraph III.e of appendix A to this aspect for out of doors retail lending spots.
The Nationwide Asset-Based mostly Local community Progress Funding Benchmark actions the greenback quantity of community growth loans and Local community advancement investments that reward or provide all or check here Component of the nationwide place of all depository establishments that reported pursuant to § 228.
) Big banking companies that had belongings less than or equal to $10 billion as of December 31 in possibly of your prior two calendar many years and that don't function branches.
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(i) All the knowledge essential for that financial institution's public file must be taken care of at the main office and, if an interstate financial institution, at just one department Place of work in Just about every Condition; and
(A) A duplicate of the general public area of the financial institution's most recent CRA general performance evaluation and a summary of services supplied by the department; and
The Board evaluates the availability and use of a financial institution's deposit goods conscious of the wants of low- and reasonable-income persons, households, or homes as follows:
The Board considers the availability of remote assistance facilities in the next geographic spots:
The Board evaluates a constrained reason bank's Local community development funding overall performance during the nationwide location, pursuant to § 228.19, and assigns a summary with the establishment according to the Board's thought of the subsequent two factors: