228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a little financial institution's file of assisting to satisfy the credit desires of its whole Neighborhood pursuant to your Smaller Lender Lending Examination as supplied in paragraph (a)(2) of the part, Unless of course the small financial institution opts for being evaluated pursuant for the Retail Lending Take a look at in § 228.22.
The Board may change the score of an intermediate lender evaluated as presented in paragraph (a)(two) of the section from “Satisfactory” to “Outstanding” for the establishment degree wherever the financial institution requests and receives further consideration for actions that might qualify pursuant to your Retail Solutions and Products Test in § 228.23.
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(i) The retail lending needs of its facility-primarily based assessment areas, retail lending assessment regions, and outdoors retail lending place which might be included with the prepare. A bank that originates or buys loans in a product line evaluated pursuant to the Retail Lending Examination in § 228.
indicates, notwithstanding the definition of “modest organization” On this segment, a loan A part of “loans to small firms” as noted in Agenda RC-C of the decision Report.
) A Neighborhood progress loan originated or ordered, or a community development investment decision manufactured, which include a legally binding commitment to extend credit history or simply a lawfully binding motivation to invest, in the calendar yr, as explained in paragraph I.a.one.i of appendix B to this portion;
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If an intermediate financial institution opts to become evaluated pursuant to your Group Advancement Funding Check in § 228.24, the Board evaluates the intermediate financial institution for that analysis period of time previous the financial institution's upcoming CRA examination pursuant to the Community Advancement Funding Exam in § 228.24 and proceeds evaluations pursuant to this efficiency test for subsequent evaluation durations right until the financial institution opts out.
The greenback volume on the minimal purpose financial institution's Group improvement loans and Local community progress investments that benefit or provide the Condition or multistate MSA and an assessment from the affect and responsiveness of These loans and investments, as presented in § 228.15.
(i) All the data necessary with the financial institution's community file need to be maintained at the leading Office environment and, if an interstate financial institution, at a single branch office in Just about every Condition; and
The Board evaluates an intermediate financial institution's report of assisting to fulfill the credit rating demands of its entire Local community pursuant to the Retail Lending Check in § 228.
(3) The amount of lenders whose residence home finance loan loans, multifamily loans, small small business loans, and modest farm loans and deposits info are utilized to establish the relevant Retail Lending Volume Threshold, geographic here distribution market benchmarks, and borrower distribution sector benchmarks;
(two) A home home loan loan or perhaps a multifamily loan is located in the census tract where the property securing the loan is situated; and
Pursuant to § 228.21, the Retail Lending Exam evaluates a financial institution's file of assisting to meet up with the credit score demands of its full Group in the financial institution's origination and purchase of dwelling property finance loan loans, multifamily loans, modest company loans, and compact farm loans.