228 loan - An Overview
228 loan - An Overview
Blog Article
The Board reviews the influence and responsiveness from the financial institution's community development loans and Group advancement investments that benefit or provide a Condition, as supplied in § 228.fifteen.
228 loan is just not liable for any with the conditions introduced for you. Costs, service fees, and conditions are immediately selected through the lender.
The Board evaluates a restricted objective financial institution's Local community enhancement financing functionality in Each individual Point out or multistate MSA, as relevant pursuant to §§ 228.
The inclusion of an affiliate's loans, investments, services, and products in a very bank's strategy, or in a very joint prepare of affiliated depository institutions, is topic to the subsequent:
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In thinking about CRA performance in an software explained in paragraph (a) of the area, the Board takes into consideration any sights expressed by fascinated parties which might be submitted in accordance Along with the Board's Guidelines of Course of action established forth in 12 CFR element 262.
(two) The dispersion of a bank's closed-end dwelling mortgage lending, little enterprise lending, tiny farm lending, or car lending in a facility-primarily based assessment place to find out no matter whether you can find gaps in more info lending that are not explained by performance context;
(B) For every of a financial institution's facility-based assessment spots within a nonmetropolitan spot, the Nonmetropolitan Nationwide Neighborhood Growth Financing Benchmark actions the dollar volume of Group enhancement loans and Group enhancement investments that reward or serve nonmetropolitan parts in the nationwide area for all massive depository establishments as compared to deposits located in nonmetropolitan places while in the nationwide space for all huge depository establishments.
signifies the period, normally in calendar years, for the duration of which a bank performed the functions which the Board evaluates inside a CRA evaluation, in accordance Using the Board's tips and procedures.
(7) Details indicating that the credit rating requirements of the power-primarily based assessment area or retail lending assessment space are certainly not getting met by lenders during the mixture, these kinds of that the applicable benchmarks tend not to sufficiently mirror community credit rating requires.
(A) A financial institution could specify annual measurable goals for Group progress loans, community development investments, or the two. The lender must foundation any yearly measurable targets as being a proportion or ratio in the bank's Group growth loans and community progress investments for all or specified kinds of Group growth explained in § 228.
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(B) Any counties in which the big bank did not originate any closed-finish household home loan loans or tiny small business loans that are noted loans for the duration of that calendar yr.
indicates a staffed banking facility, no matter if shared or unshared, that the Board accepted or authorized to be a department and that's open up to, and accepts deposits from, most people.