5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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A bank might specify alternate weights for averaging check general performance throughout assessment parts or other geographic areas. These alternate weights should be based upon the financial institution's capability and Neighborhood demands and possibilities in certain geographic spots.
Pursuant to § 228.28 and appendix C to this part, the Board assigns conclusions for the bank's Retail Providers and Merchandise Check performance in Every facility-dependent evaluation place, Point out and multistate MSA, as applicable, and with the establishment.
(ii) To acquire ownership or Charge of shares or all or significantly every one of the belongings of the bank, to lead to a bank to become a subsidiary of a bank Keeping company, or to merge or consolidate a lender holding enterprise with some other financial institution holding business inside a transaction that requires acceptance less than section three of your Financial institution Holding Company Act (twelve U.S.C. 1842);
To build supporting conclusions for geographic distributions of shut-conclusion residence house loan loans, tiny company loans, and small farm loans, the Board evaluates the financial institution's overall performance by comparing the Geographic Lender Metric to functionality ranges, determined by the Geographic Marketplace Benchmark, the Geographic Community Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this aspect.
) Certain information regarding the greenback quantity of the Local community enhancement loan or Group development expense that was allotted to every county served through the loan or investment decision, if available.
A financial institution topic to details reporting demands pursuant to § 228.forty two have to include in its community file a written observe which the CRA Disclosure Statement pertaining for the lender, its functions subsidiaries, and its other affiliates, if applicable, may very well be acquired to the FFIEC's Internet site at:
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(ii) Any county inside a nonmetropolitan area where the financial institution did not originate or invest in any closed-close dwelling house loan loans, little business enterprise loans, modest farm loans, or automobile loans if car loans are a product line to the bank.
(B) The Board decides that evaluation under the strategy wouldn't offer a additional significant click here reflection of your lender's file of helping to fulfill the credit score desires on the financial institution's Neighborhood;
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The Board evaluates an intermediate bank's record of assisting to meet up with the credit rating demands of its complete Neighborhood pursuant towards the Retail Lending Test in § 228.
For house home finance loan loans, the financial institution ought to recognize the house house loan loans documented by bank affiliate marketers less than 12 CFR section 1003, if applicable, or acquire and manage information on household mortgage loan loans via the affiliate that the bank would have collected and taken care of pursuant to paragraphs (a)(three) of the part experienced the loans been originated or procured by the bank.
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The Board evaluates a confined objective financial institution's Local community enhancement funding overall performance inside the nationwide place, pursuant to § 228.19, and assigns a summary with the establishment based on the Board's consideration of the following two components: