228 loan Options
228 loan Options
Blog Article
The Board evaluates a little financial institution's record of helping to meet the credit rating desires of its full Local community pursuant for the Compact Bank Lending Examination as presented in paragraph (a)(2) of this part, Except the compact lender opts being evaluated pursuant towards the Retail Lending Exam in § 228.22.
(2) A retail lending assessment place might not lengthen further than a Condition boundary Except if the retail lending evaluation location consists of counties in the multistate MSA.
The Board rates the general performance of an intermediate bank evaluated under this area as delivered in appendix D to this part.
인터넷이라는 광활한 바다를 항해하며 정보의 보고를 찾는 우리에게 네이버는 든든한 나침반이자, 탐험의 동반자와 같습니다. 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버는 우리 일상의 거의 모든 영역에 깊숙이 스며들어 있습니다.
The Board considers the usage of a financial institution's deposit items aware of the desires of small- and average-cash flow folks, families, or households depending on the subsequent facts:
Pursuant to 12 U.S.C. 2906, the Board presents conclusions derived beneath this portion individually for metropolitan spots wherein a lender maintains a number of domestic department workplaces and for your nonmetropolitan region of a Point out if a financial institution maintains one or more domestic department workplaces in these kinds of nonmetropolitan location.
The CRA which element do not demand a bank to originate or invest in loans or investments or to supply companies which might be inconsistent with safe and audio banking methods, including underwriting criteria.
If an intermediate lender opts to become evaluated pursuant on the Community Development Financing Exam in § 228.24, the Board evaluates the intermediate bank for the evaluation period of time preceding the bank's upcoming CRA assessment pursuant to your Neighborhood Advancement Funding Test in § 228.24 and carries on evaluations pursuant to this functionality check for subsequent evaluation intervals till the bank opts out.
The dollar quantity from the constrained objective financial institution's Neighborhood enhancement loans and community growth investments that profit or serve the State or multistate MSA and an evaluation of your affect and responsiveness of These loans and investments, as furnished in § 228.fifteen.
(i) All the data needed with the bank's community file need to be managed at the key Business and, if an interstate bank, at one particular department Office environment in each Condition; and
(A) A lender may specify once-a-year measurable targets for community improvement loans, Group development investments, or both. The lender ought to base any annual measurable targets as being a share or ratio on the bank's Local community advancement loans and community improvement investments for all or particular types of community progress described in § 228.
A large lender should collect and report back to the Board on a yearly basis by April 1 a listing of read more Just about every retail lending evaluation place displaying the States, MSAs, and counties in the retail lending evaluation region with the prior calendar yr.
For vehicle loans, the Board compares a bank's geographic and borrower distributions into the relevant community benchmarks, as furnished in paragraph (f) of the segment and area VI of appendix A to this section.
The Board evaluates a minimal intent financial institution's Group advancement financing efficiency from the nationwide area, pursuant to § 228.19, and assigns a summary for the establishment based upon the Board's consideration of the next two factors: