228 loan - An Overview
228 loan - An Overview
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indicates credit score and deposit merchandise or plans that aid a lending or depository connection amongst the financial institution and people, modest companies, or small farms.
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(1) Any information about a bank's institutional potential or constraints, including the dimensions and money issue from the lender, protection and soundness restrictions, or another bank-precise aspects that significantly influence the lender's ability to give retail lending, retail banking solutions and retail banking solutions, Group advancement loans, Local community development investments, or Neighborhood progress services;
(i) The retail lending demands of its facility-centered assessment areas, retail lending assessment spots, and out of doors retail lending place that are included from the strategy. A lender that originates or purchases loans in a product line evaluated pursuant to the Retail Lending Exam in § 228.
The Board considers facts furnished by the bank and may take into consideration publicly out there information and information furnished by government or Group resources that demonstrates that a Neighborhood advancement company Advantages or serves a facility-dependent assessment place, Point out, or multistate MSA, or maybe the nationwide place.
In thinking about CRA general performance in an software explained in paragraph (a) of this area, the Board takes click here into account any views expressed by fascinated events which have been submitted in accordance With all the Board's Regulations of Process set forth in 12 CFR aspect 262.
Opinions or questions about doc content material can't be answered by OFR staff members. Please usually do not give private facts or own data.
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The Board assigns conclusions to a large lender's or restricted reason bank's functionality around the applicable assessments explained in paragraph (a) of the segment pursuant to § 228.28 and appendix C to this aspect. The Board assigns conclusions to a small lender's or intermediate lender's performance around the applicable checks described in paragraph (a) of this area pursuant to § 228.
A lender could post supplemental details to your Board on a confidential basis, although the objectives said from the plan has to be sufficiently certain to permit the general public as well as Board to guage the deserves of your plan.
For every of the big bank's facility-primarily based assessment places, and as applicable, its retail lending evaluation locations, the Board publishes on the Board's Web-site:
The surface retail lending place is comprised of ingredient geographic areas. A component geographic location is any MSA or perhaps the nonmetropolitan space of any Point out, or part thereof, bundled within the outside retail lending location.
(2) A home property finance loan loan or simply a multifamily loan is found inside the census tract exactly where the assets securing the loan is found; and
A financial institution will have to sustain a general public file, in possibly paper or digital format, that includes the next info: