5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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The Board evaluations the affect and responsiveness of your bank's Neighborhood enhancement loans and community growth investments that benefit or provide a Condition, as supplied in § 228.15.
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(B) Other than as provided in § 228.51(e), a considerable bank by using a blended full of 10 or more facility-based mostly evaluation areas and retail lending assessment regions in almost any Point out or multistate MSA, as relevant, or for the institution may not receive a score of “Satisfactory” or “Superb” in that Point out or multistate MSA, as relevant, or for the institution, Unless of course the bank receives an Total conclusion of at the least “Lower Satisfactory” in 60 percent or maybe more of the entire amount of its facility-centered evaluation areas and retail lending assessment areas in that State or multistate MSA, as relevant, or with the establishment.
The Board may possibly approve a plan immediately after considering the factors in paragraph (h)(3) of the area and when it decides that the financial institution has offered sufficient justification for that strategy and each aspect of the prepare as needed in paragraph (d) of the portion.
implies a business, in addition to a farm, that had gross annual revenues for its preceding fiscal 12 months of $five million or a lot less.
If you have inquiries with the Agency that issued the current document please Get hold of the company straight.
(ii) Any county in a nonmetropolitan spot where the bank didn't originate or acquire any closed-conclusion property property finance loan loans, modest enterprise loans, compact farm loans, or car loans if auto loans are a product line for that bank.
The constrained goal financial institution's Neighborhood enhancement funding efficiency in all of its facility-primarily based assessment places; and
(B) For a substantial lender that experienced belongings lower than or equal $10 billion as of December 31 in either in the prior two calendar yrs Which operates website a minimum of one particular department, the Board considers the financial institution's digital shipping and delivery programs and various supply units within the lender's possibility.
The Board evaluates an intermediate financial institution's report of helping to fulfill the credit demands of its entire Local community pursuant towards the Retail Lending Examination in § 228.
Any facility-based evaluation location, retail lending evaluation spot, outdoors retail lending space, or other geographic spot that will be evaluated in the absence of an authorized system, but just isn't included in an accredited approach, will be evaluated pursuant towards the effectiveness assessments that could implement within the absence of an approved prepare.
For automobile loans, the Board compares a financial institution's geographic and borrower distributions to your applicable Neighborhood benchmarks, as offered in paragraph (file) of this section and segment VI of appendix A to this part.
A financial institution must keep a general public file, in either paper or digital structure, that features the following data: