228 loan - An Overview
228 loan - An Overview
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means an organization intended to provide, in outcome, being a independently included department in the lender, performing, at locations at which the lender is licensed to interact in organization, features that the financial institution is empowered to accomplish immediately.
means a financial institution that is not during the company of extending shut-end residence mortgage loans, tiny enterprise loans, compact farm loans, or automobile loans evaluated under § 228.
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The Board works by using the retail lending assessment areas delineated by a large bank in its analysis from the lender's shut-finish home mortgage lending and compact business enterprise lending general performance Until the Board determines which the retail lending assessment locations usually do not adjust to the necessities of the section.
A financial institution topic to knowledge reporting requirements pursuant to § 228.42 will have to involve in its general public file a written notice that the CRA Disclosure Statement pertaining for the lender, its operations subsidiaries, and its other affiliate marketers, if applicable, may very well be obtained within the FFIEC's Web-site at:
The Board considers the weighted normal with the efficiency scores corresponding to the financial institution's Community Growth Funding Test conclusions for its facility-centered assessment areas within the Point out, pursuant to segment IV of appendix B to this section.
usually means a bank's loans in a single of the subsequent, independent groups in a selected Retail Lending Examination Space:
(B) For every of a financial institution's facility-centered assessment regions within a nonmetropolitan place, the Nonmetropolitan Nationwide Community Development Funding Benchmark steps the greenback quantity of community progress loans and community improvement investments that gain or provide nonmetropolitan areas while in the nationwide place for all large depository establishments when compared with deposits situated in nonmetropolitan spots during the nationwide space for all big depository institutions.
(iv) The Neighborhood advancement providers wants of its facility-dependent assessment areas served via the financial institution that are included because of the prepare.
The lender will have to post its draft want to the Board at least ninety days prior to the proposed efficient date from the plan. The lender more info must also submit with its draft approach:
For just a limited goal lender that had belongings higher than $ten billion as of December 31 in both in the prior two calendar several years, the Confined Objective Financial institution Local community Enhancement Investment decision Metric measures the greenback volume from the bank's community development investments that benefit or provide all or part of the nationwide region, excluding home loan-backed securities, in comparison with the bank's property, calculated pursuant to paragraph III.d of appendix B to this part.
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(B) Any counties where the massive bank did not originate any closed-stop household house loan loans or compact enterprise loans which are described loans through that calendar year.
A financial institution should retain a public file, in both paper or electronic format, that features the subsequent data: