228 loan - An Overview
228 loan - An Overview
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(one) Info indicating that a lender procured shut-stop household mortgage loan loans, small company loans, little farm loans, or car loans for the only real or Main reason of inappropriately improving its retail lending overall performance, including, but not limited to, information and facts indicating subsequent resale of this sort of loans or any sign that these kinds of loans have been deemed in various depository institutions' CRA evaluations, in which circumstance the Board does not think about these kinds of loans inside the financial institution's performance analysis;
Pursuant to § 228.28 and appendix C to this component, the Board assigns conclusions for just a financial institution's Retail Solutions and Items Take a look at overall performance in Every single facility-based mostly assessment place, Condition and multistate MSA, as applicable, and for your establishment.
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The Board evaluates a financial institution's Local community development expert services performance inside a facility-primarily based evaluation region and assigns a conclusion for any facility-dependent evaluation spot, by thinking about a number of of the next:
(i) All the information necessary for your financial institution's public file need to be taken care of at the primary Place of work and, if an interstate lender, at just one branch Office environment in Every Condition; and
In advance of submitting a draft decide to the Board for approval pursuant to paragraph (h) of this area, a lender need to:
(ii) Any county within a nonmetropolitan region in which the lender did not originate or order any closed-conclusion property house loan loans, modest company loans, compact farm loans, or car loans if car loans are an item line for the financial institution.
The Board evaluates a bank's Local community improvement solutions performance in a Condition or multistate MSA, as relevant, or nationwide location, and assigns a summary for anyone areas, based upon the following two parts:
) of this part, a bank could present different weights for averaging jointly the overall performance across these loan merchandise and could include Individuals loan merchandise during the check here numerator of the Bank Volume Metric.
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signifies a loan, including a legally binding motivation to extend credit score, for instance a standby letter of credit, that supports Neighborhood progress, as described in § 228.13. A Neighborhood progress loan won't consist of any household home loan loan regarded underneath the Retail Lending Test in § 228.
(B) The Nationwide Group Growth Expenditure Benchmark measures the greenback volume of Local community advancement investments that benefit or provide all or Portion of the nationwide area, excluding property finance loan-backed securities, of all massive depository establishments that had belongings increased than $ten billion as of December 31 in equally from the prior two calendar decades when compared to deposits situated in the nationwide location for those depository institutions, calculated pursuant to paragraph II.n of appendix B to this section.
indicates a channel through which banking institutions present retail banking services electronically, including on the net banking or cell banking.