228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a little lender's file of assisting to meet up with the credit score desires of its complete Neighborhood pursuant towards the Tiny Bank Lending Take a look at as delivered in paragraph (a)(two) of the area, unless the modest financial institution opts to generally be evaluated pursuant to the Retail Lending Exam in § 228.22.
suggests a lender that is not from the organization of extending shut-finish house mortgage loans, smaller business loans, smaller farm loans, or car loans evaluated less than § 228.
Except for a small bank that opts for being evaluated pursuant towards the Retail Lending Check in § 228.22, the Board assigns conclusions for that performance of a little bank evaluated under this section as furnished in appendix E to this element.
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A bank that acquired a below “Satisfactory” establishment ranking all through its newest examination should contain in its general public file a description of its recent attempts to enhance its effectiveness in assisting to fulfill the credit score demands of its complete community.
Pursuant to twelve U.S.C. 2906, the Board supplies conclusions derived below this portion separately for metropolitan locations where a financial institution maintains a number of domestic department places of work and for that nonmetropolitan space of the Point out if a financial institution maintains one or more domestic department places of work in these nonmetropolitan region.
(two) The dispersion of the financial institution's closed-close dwelling property finance loan lending, modest company lending, compact farm lending, or auto lending in just a facility-centered assessment space to ascertain no matter if you will discover gaps in lending that aren't discussed by functionality context;
(ii) Consistent with paragraph get more info (g) of this portion, a financial institution's plan could involve optional evaluation factors or qualified modifications and additions on the performance checks that might utilize while in the absence of the authorized strategy.
The greenback quantity of the constrained goal bank's Local community growth loans and Local community improvement investments that advantage or provide the State or multistate MSA and an assessment in the impact and responsiveness of All those loans and investments, as presented in § 228.fifteen.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(B) A lender aside from a significant bank may possibly include a Neighborhood enhancement providers part and accompanying yearly measurable aims in its system.
For household home loan loans, the financial institution have to recognize the home mortgage loan loans reported by its functions subsidiary underneath 12 CFR component 1003, if relevant, or acquire and preserve details on property mortgage loan loans by its functions subsidiary which the lender might have gathered and taken care of pursuant to paragraph (a)(three) of the area experienced the lender originated or ordered the loans.
Pursuant to § 228.28 and appendix C to this part, the Board assigns conclusions for a lender's Group Progress Expert services Exam overall performance in Just about every facility-primarily based evaluation location, Every single Point out or multistate MSA, as relevant, and for that institution.
(ii) When the Board, the FDIC, and the OCC ascertain that a loan or expenditure is now not eligible for Neighborhood progress thing to consider, the owner on the loan or investment at enough time with the perseverance will continue to get community progress thing to consider for the remaining time period or duration of the loan or expense.