228 loan - An Overview
228 loan - An Overview
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(E) The financial institution fails to provide data requested from the Board that is needed for the Board to make an informed choice.
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(i) The retail lending requires of its facility-dependent evaluation parts, retail lending evaluation parts, and out of doors retail lending place which might be lined from the program. A financial institution that originates or purchases loans in an item line evaluated pursuant to your Retail Lending Test in § 228.
(ix) An indicator for whether the loan was to a company or farm with gross annual revenues larger than $one million; and
To develop supporting conclusions for borrower distributions of closed-conclude house mortgage loans, modest organization loans, and smaller farm loans, the Board evaluates the financial institution's functionality by comparing the Borrower Lender Metric to functionality ranges, based upon the Borrower Market Benchmark, Borrower Group Benchmark, and multipliers, as described in paragraphs V.d and V.e of appendix A to this component.
usually means a financial institution's loans in a single of the next, individual types in a selected Retail Lending Examination Place:
These disclosure statements show the range and greenback quantity of all smaller small business loans and tiny farm loans originated or obtained for each census tract and the selection and greenback number of all community progress loans and community growth investments for every county by reporting banking institutions, besides which the Board might modify the form on the disclosure if important, thanks to special circumstances, to guard the privacy of a borrower or the aggressive posture of the financial institution.
The greenback volume from the constrained function lender's Local community advancement loans and Neighborhood development investments that advantage or provide the State or multistate MSA and a review with the affect and responsiveness of Those people loans and investments, as furnished in § 228.fifteen.
(A) A replica of the public part in the financial institution's most up-to-date CRA overall performance evaluation and a summary of solutions supplied by the department; and
To get a designation as a confined reason financial institution, a financial institution must file a composed request Along with the Board no less than ninety days prior to the proposed effective date in the designation.
(x) An indicator for if the loan was to a company or farm for which gross yearly revenues are not acknowledged via the lender.
Initiatives to revitalize or stabilize a qualified census tract that come with both of those commercial and residential components qualify as revitalization or stabilization routines beneath this paragraph (e)(2), if:
A lender that's been accredited to become evaluated under a strategic prepare need to more info consist of in its general public file a copy of that plan though it is in effect. A bank need not contain info submitted for the Board over a private basis in conjunction with the approach.