5 Simple Statements About 228 loan Explained
5 Simple Statements About 228 loan Explained
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A bank will have to make available to the public for inspection, on ask for and at no cost, the data demanded With this section as follows:
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The Board takes advantage of the retail lending assessment locations delineated by a significant lender in its evaluation with the bank's closed-close property home loan lending and small business enterprise lending effectiveness Unless of course the Board determines the retail lending assessment areas will not adjust to the requirements of the portion.
A lender topic to facts reporting requirements pursuant to § 228.42 have to include in its public file a composed discover the CRA Disclosure Statement pertaining for the lender, its operations subsidiaries, and its other affiliate marketers, if relevant, could be received to the FFIEC's website at:
For every major solution line, a Geographic Neighborhood Benchmark, calculated pursuant to paragraph III.c of appendix A to this portion for facility-dependent evaluation regions and retail lending assessment regions, and paragraph III.e of appendix A to this aspect for out of doors retail lending regions.
(i) An intermediate financial institution's Neighborhood enhancement performance is evaluated pursuant to the next standards:
A considerable financial institution have to accumulate and keep in electronic form, as prescribed by the Board, right until the completion in the bank's up coming CRA examination during which the data are evaluated, the subsequent details for every tiny enterprise loan or little farm loan originated or purchased because of the financial institution throughout the analysis time period:
The dollar volume with the confined objective financial institution's Local community enhancement loans and community improvement investments that reward or serve the Condition or multistate MSA and an evaluation with the effects and responsiveness of All those loans and investments, as delivered in § 228.fifteen.
Over the time period of the approach, a bank may perhaps ask for the Board to approve an Modification to your strategy in the absence of a cloth improve in conditions.
Affiliated depository institutions supervised by precisely the same Federal economical supervisory company may possibly prepare a joint strategy, presented which the program contains, for each bank, the relevant performance assessments that could apply during the absence of an approved approach.
The Board evaluates The provision and utilization of the lender's deposit solutions attentive to the desires of minimal- and average-revenue individuals, family members, or homes as follows:
A sizable financial institution as well as a confined function bank that could be a sizable financial institution according to the asset sizing described from the definition of a large financial institution must acquire and report back to the Board each year by April one an index of Each and every facility-centered assessment spot demonstrating the States, check here MSAs, and counties in the power-primarily based assessment location, as of December 31 of your prior calendar year or the last date the facility-based mostly evaluation space was in effect, presented the ability-centered evaluation spot was delineated for at least 6 months from the prior calendar 12 months.
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