5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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A bank may possibly prepare an individual system or different strategies for its facility-centered evaluation spots, retail lending assessment areas, outdoors retail lending location, or other geographic places that could be evaluated in the absence of the permitted plan.
(ii) The retail banking solutions and retail banking products and solutions wants of its facility-primarily based evaluation regions and at the institution stage which have been included because of the program.
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(i) The range and proportion of originations and programs of the massive lender's house property finance loan loans by borrower or applicant earnings degree, race, and ethnicity;
(D) A financial institution aside from a considerable bank might consist of retail banking solutions or retail banking items part(s) and accompanying once-a-year measurable ambitions in its prepare.
A financial institution matter to details reporting requirements pursuant to § 228.forty two should involve in its public file a prepared see the CRA Disclosure Statement pertaining for the bank, its operations subsidiaries, and its other affiliates, if applicable, could possibly be obtained on the FFIEC's Web-site at:
(2) A duplicate of the general public segment in the lender's most up-to-date CRA performance evaluation well prepared via the Board. The financial institution ought to consist of this copy in the public file inside of 30 small business days after its receipt from your Board;
The Board assessments the effects and responsiveness of the bank's community progress loans and Local community advancement investments that profit or provide the nationwide region, as offered in § 228.fifteen.
Subject matter to your geographic prerequisites in paragraph (b) of the segment, a substantial lender should delineate, for a particular calendar calendar year, a retail lending evaluation place in any MSA or in the nonmetropolitan area of any State where it originated:
The Board weights the financial institution's overall performance rating to the general performance tests applicable to a significant bank as follows:
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(4) The selection and dollar volume of community improvement loans and Local community improvement investments described as originated or purchased inside Just about every facility-based assessment place, Every State through which the financial institution incorporates a branch, Just about every multistate MSA during which a lender incorporates a department in two or maybe more States from the multistate MSA, and nationwide spot beyond these States and multistate MSAs.
For every significant product line, a Borrower Group Benchmark, calculated pursuant to paragraph IV.c of appendix A to this section for facility-based mostly evaluation regions check here and retail lending evaluation regions, and paragraph IV.e of appendix A to this component for out of doors retail lending spots.
(i) The whole lot of a single MSA (using the MSA boundaries which were in impact as of January one from the calendar 12 months by which the delineation applies), excluding any counties Within the significant bank's facility-dependent assessment locations; or