228 loan - An Overview
228 loan - An Overview
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A lender may well specify choice weights for averaging test general performance across evaluation locations or other geographic regions. These alternate weights have to be based on the lender's capability and Local community needs and opportunities in precise geographic locations.
means a bank that is not during the company of extending closed-conclude house property finance loan loans, tiny business loans, small farm loans, or auto loans evaluated underneath § 228.
The Nationwide Community Advancement Financing Benchmark actions the greenback quantity of Local community development loans and community growth investments that profit or serve all or A part of the nationwide area for all huge depository establishments in comparison to the deposits located in the nationwide location for all massive depository institutions, calculated pursuant to paragraph II.k of appendix B to this element.
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(i) A financial institution could include general performance evaluation factors and accompanying annual measurable plans for additional geographic locations but might not eliminate the analysis of its efficiency in almost any geographic area that could be A part of its functionality analysis within the absence of the approved prepare.
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If an intermediate lender opts to become evaluated pursuant into the Group Advancement Financing Test in § 228.24, the Board evaluates the intermediate lender for that analysis time period previous the financial institution's up coming CRA evaluation pursuant to the Neighborhood Improvement Financing Test in § 228.24 and carries on click here evaluations pursuant to this functionality examination for subsequent evaluation intervals until eventually the bank opts out.
Issue into the geographic needs in paragraph (b) of the part, a considerable financial institution need to delineate, for a specific calendar year, a retail lending evaluation spot in any MSA or within the nonmetropolitan area of any Point out where it originated:
The Board might regulate a confined intent financial institution's institution score from “Satisfactory” to “Superb” exactly where a bank requests and receives further thought for products and services that would qualify under the Community Improvement Providers Check in § 228.25.
) The volume of checking and price savings accounts opened digitally and through other supply techniques that are Energetic at the conclusion of Each and every calendar calendar year by census tract cash flow amount for each calendar 12 months.
For dwelling home finance loan loans, the financial institution should identify the house home loan loans reported by its functions subsidiary under twelve CFR portion 1003, if applicable, or accumulate and sustain data on household house loan loans by its functions subsidiary the lender would have gathered and maintained pursuant to paragraph (a)(3) of the segment had the lender originated or obtained the loans.
(B) Any counties through which the massive lender didn't originate any shut-finish household home loan loans or tiny small business loans which might be noted loans for the duration of that calendar calendar year.
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