Not known Details About 228 loan
Not known Details About 228 loan
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The Board evaluates a small lender's record of assisting to meet the credit score requires of its total community pursuant into the Little Financial institution Lending Check as delivered in paragraph (a)(2) of the part, unless the tiny lender opts to become evaluated pursuant into the Retail Lending Exam in § 228.22.
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The Board evaluates a limited goal lender's Neighborhood progress financing general performance in Every Point out or multistate MSA, as relevant pursuant to §§ 228.
A bank that includes modified or extra efficiency analysis elements with accompanying yearly measurable ambitions in its strategy will have to specify in its plan yearly measurable plans that represent “Satisfactory” overall performance and should specify annual measurable plans that represent “Superb” performance.
(D) A lender other than a significant financial institution could consist of retail banking products and services or retail banking items part(s) and accompanying yearly measurable objectives in its strategy.
The Board considers the branch availability and expert services provided at branches of banking institutions that work a number of branches pursuant to paragraph (b)(two) of the portion.
(B) The efficiency on the financial institution's devices for offering retail banking companies and The supply and responsiveness of your financial institution's click here retail banking solutions, pursuant to § 228.23, as applicable;
For a large bank needed to report home house loan loan facts pursuant to twelve CFR element 1003, the Board will publish over the Board's Web site the info necessary by paragraph (j)(2) of the portion regarding the distribution of a large bank's originations and applications of home house loan loans by borrower or applicant cash flow degree, race, and ethnicity in each from the financial institution's facility-centered assessment parts, and as relevant, its retail lending assessment locations. This info is released per year determined by details documented pursuant to twelve CFR element 1003.
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(B) A lender aside from a significant bank may well consist of a Local community enhancement providers element and accompanying annual measurable targets in its system.
(four) The number and dollar volume of Local community improvement loans and Local community development investments documented as originated or bought inside of Each and every facility-based mostly evaluation region, Just about every State through which the lender has a department, Each and every multistate MSA through which a lender contains a department in two or more States of the multistate MSA, and nationwide location outside of these States and multistate MSAs.
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(three) The financial institution might not claim Neighborhood enhancement loans or community growth investments accounting for more than its proportion share (depending on the level of its participation or expenditure) of the whole loans or investments created by the consortium or third party.