5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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The Board critiques the impression and responsiveness in the bank's Local community growth loans and community development investments that benefit or serve the nationwide place, as offered in § 228.15.
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Apart from a little bank that opts for being evaluated pursuant for the Retail Lending Exam in § 228.22, the Board assigns conclusions for that functionality of a small financial institution evaluated beneath this area as provided in appendix E to this element.
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For a little bank evaluated beneath the Small Bank Lending Exam, the Board charges the financial institution's functionality under this part as delivered in appendix E to this aspect.
) The allocation of loans, investments, solutions, and items to your bank, or among the affiliated banks, must replicate an inexpensive foundation to the allocation and may not be for the only or Principal objective of inappropriately maximizing any bank's CRA evaluation.
signifies a financial institution's loans in one of the following, individual groups in a selected Retail Lending Check Spot:
) Benefits or serves a number of geographic parts with reduced amounts of community growth funding;
Subject matter to the geographic requirements in paragraph (b) of the part, a substantial lender should delineate, for a selected calendar 12 months, a retail lending evaluation spot in any MSA or from the nonmetropolitan area of any Condition by which it originated:
(five) Whether the Retail Lending Check advised summary will not correctly reflect the bank's overall performance inside a Retail Lending Examination Spot through which one or more of the financial institution's significant products traces includes much less than 30 loans;
(B) The housing is found in a census tract where the median income of renters is small- or average-money as well as the median rent won't exceed thirty % of 80 p.c of the realm median money;
The Board evaluates The supply and usage of the bank's deposit goods responsive to the needs of very low- and moderate-earnings individuals, family members, or homes as follows:
For automobile loans, the Board compares a lender's geographic and borrower distributions for the applicable Local community benchmarks, as offered in paragraph (file) of the segment and part VI of appendix A to this component.
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