228 loan - An Overview
228 loan - An Overview
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A minimal function financial institution's Neighborhood enhancement financing performance in its facility-primarily based evaluation areas from the State or multistate MSA; and
(2) A retail lending assessment space might not extend further than a Point out boundary Except if the retail lending evaluation area is made up of counties in a very multistate MSA.
The Board charges the effectiveness of the intermediate lender evaluated underneath this section as offered in appendix D to this portion.
The Board publishes on its community Web site, not less than 30 days beforehand of the beginning of each calendar quarter, a list of financial institutions scheduled for CRA examinations for the following two quarters.
The Board evaluates a lender's Group enhancement solutions efficiency within a facility-primarily based evaluation place and assigns a conclusion for your facility-primarily based evaluation location, by contemplating one or more of the subsequent:
(iii) An inventory displaying Every single census tract during which the bank noted a little small business loan or a little farm loan;
(B) The effectiveness from the financial institution's techniques for providing retail banking providers and The supply and responsiveness of your lender's retail banking products, pursuant to § 228.23, as applicable;
(3) A small small business loan or little farm loan is found during the census tract in which the most crucial company facility or farm is found or wherever the borrower will otherwise implement the loan proceeds, as indicated with the borrower.
The Lender Evaluation Spot Local community Growth Financing Metric measures the dollar quantity of a bank's community enhancement loans and Group development investments that benefit or provide a facility-dependent assessment area in comparison with deposits inside the bank that can be found in the ability-dependent assessment area, calculated pursuant to paragraph II.a of appendix B to this part.
The Board weights the bank's functionality rating for the effectiveness tests relevant to a large financial institution as follows:
An intermediate financial institution or a small lender for which car loans are a product line may perhaps accumulate and maintain inside a structure with the bank's selecting, including within an Digital sort prescribed through the Board, till the completion of your financial institution's following CRA examination where the data are evaluated, the information explained in paragraphs (a)(2)(iii)(A) as a result of (F) of the section for each vehicle loan check here originated or bought because of the bank over the analysis time period.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
A significant financial institution and a minimal objective financial institution that would be a considerable lender determined by the asset size described from the definition of a large financial institution will have to collect and report to the Board per year by April one a list of Every single facility-dependent evaluation region displaying the States, MSAs, and counties in the ability-centered evaluation area, as of December 31 in the prior calendar yr or the last date the ability-dependent evaluation place was in outcome, supplied the facility-primarily based assessment region was delineated for at least six months from the prior calendar yr.
The Board considers the loans, financial investment, products and services, and solutions of a lender's operations subsidiaries less than this aspect, Except if an functions subsidiary is independently matter towards the CRA.