5 Simple Statements About 228 loan Explained
5 Simple Statements About 228 loan Explained
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The Board or its appointed agent, prepares on a yearly basis, for every MSA or metropolitan division (like an MSA or metropolitan division that crosses a State boundary) and the nonmetropolitan portion of Just about every State, an combination disclosure assertion of described tiny small business lending, compact farm lending, Group progress lending, and Group improvement investments by all depository establishments matter to reporting less than this portion or twelve CFR portion 25 or 345.
When applying general performance exams and strategic designs pursuant to paragraph (a) of this part, and when figuring out no matter whether to approve a strategic strategy pursuant to § 228.
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The Board could consider a bank's community advancement loans, Local community progress investments, and Group development expert services delivered beyond its facility-based evaluation areas, as offered With this aspect.
The Board evaluates a lender's Neighborhood development companies performance inside of a facility-based mostly assessment location and assigns a conclusion for any facility-based evaluation location, by taking into consideration one or more of the following:
(ii) In the prior two calendar several years, the bank originated or purchased outside the lender's facility-based mostly evaluation places more than 50 % with the bank's dwelling mortgage loan loans, multifamily loans, compact organization loans, small farm loans, and car loans if vehicle loans are an item line with the lender, as explained in paragraph II.a.two of appendix A to this part.
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A considerable financial institution have to gather and sustain in electronic form, as prescribed via the Board, right until the completion with the financial institution's subsequent CRA examination in which the info are evaluated, the next information for every modest organization loan or modest farm loan originated or purchased because of the financial institution in the course of the evaluation period of time:
In assigning Retail Lending Examination conclusions to get a Point out pursuant to § 228.22(h), the Board will not think about a lender's routines to generally be while in the State if Individuals things to do happen inside of a retail lending assessment place consisting of counties in multiple State.
The Board may possibly change a get more info minimal reason lender's establishment score from “Satisfactory” to “Exceptional” where by a lender requests and receives further thought for expert services that could qualify beneath the Neighborhood Growth Solutions Examination in § 228.25.
Loans, investments, and expert services that assistance smaller organizations or smaller farms in accordance with how little corporations and little farms are outlined in the applicable prepare, application, or initiative, but excluding loans by a bank directly to small businesses or small farms (possibly as outlined inside of a government strategy, program, or initiative or in § 228.
) Any rise in the calendar calendar year to an present community advancement loan that is certainly refinanced or renewed or to an current Neighborhood enhancement investment decision which is renewed;
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A bank required to report house home finance loan loan data pursuant to 12 CFR component 1003 have to involve in its public file a created recognize the financial institution's HMDA Disclosure Statement could possibly be received on The customer Money Security Bureau's (CFPB's) Web-site at: