5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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The Board evaluates a little lender's history of assisting to meet the credit requirements of its complete Neighborhood pursuant for the Modest Financial institution Lending Take a look at as furnished in paragraph (a)(two) of this section, Unless of course the little financial institution opts to get evaluated pursuant to your Retail Lending Take a look at in § 228.22.
Pursuant to § 228.28 and appendix C to this part, the Board assigns conclusions for just a financial institution's Retail Expert services and Products Exam overall performance in each facility-centered evaluation region, Point out and multistate MSA, as applicable, and for your institution.
This section implements the requirement in the CRA that the Board assess a financial institution's report of helping to satisfy the credit rating demands on the nearby communities by which the financial institution is chartered, according to the Harmless and audio operation in the bank, and to acquire this report into consideration from the agency's analysis of an application for any deposit facility because of the financial institution. Appropriately, this part:
The Board may perhaps look at a lender's community improvement loans, Neighborhood growth investments, and Group advancement companies delivered outside of its facility-based mostly assessment regions, as delivered With this aspect.
For a little bank evaluated beneath the Modest Bank Lending Exam, the Board charges the bank's performance beneath this portion as delivered in appendix E to this aspect.
The Board considers the branch availability and providers delivered at branches of banks that run a number of branches pursuant to paragraph (b)(2) of the segment.
(iv) Whether to solicit extra general public enter or involve the lender to offer any more response to general public input currently acquired.
If an intermediate financial institution opts to become evaluated pursuant into the Local community Advancement Funding Examination in § 228.24, the Board evaluates the intermediate lender with the evaluation time period preceding the lender's upcoming CRA examination pursuant to your Group Improvement Financing Take a look at in § 228.24 and carries on evaluations pursuant to this overall performance check for subsequent evaluation durations until finally the financial institution opts out.
The Board reviews the impact and responsiveness of your financial institution's community progress loans and Neighborhood development investments that profit or serve a multistate MSA, as delivered in § 228.15.
) of the part, The read more proportion of responsive deposit accounts as compared to total deposit accounts for each and every year on the analysis interval.
(B) A bank besides a large bank may perhaps contain a Group development products and services component and accompanying once-a-year measurable objectives in its strategy.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
A lender have to consist of in its plan a focus on the credit rating wants of its entire Local community, together with reduced- and average-revenue individuals, family members, or households, lower- and moderate-cash flow census tracts, and tiny enterprises and tiny farms. The lender need to explain how its plan is conscious of the attributes and credit rating desires of its facility-centered evaluation spots, retail lending evaluation areas, exterior retail lending area, or other geographic regions served by the bank, considering community comment as well as bank's capacity and constraints, item offerings, and business enterprise technique. As applicable, a bank have to specify factors in its system for assisting to fulfill:
(x) An indicator for if the loan was to a business or farm for which gross annual revenues usually are not identified from the bank.