228 loan - An Overview
228 loan - An Overview
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The Board encourages interaction between users of the public and banking institutions, which includes by way of associates of the general public submitting composed general public feedback about Neighborhood credit rating desires and chances in addition to a financial institution's file of assisting to satisfy Group credit history wants.
(ii) If a large bank is not necessary to delineate a retail lending evaluation place Earlier identified in the prepare as a result of not Conference the essential retail lending evaluation space thresholds pursuant to § 228.
(one) For banking institutions that maintain an internet site, all data demanded to the financial institution's community file beneath this segment must be preserved on the bank's Web page.
(ix) An indicator for whether or not the loan was to a business or farm with gross yearly revenues bigger than $one million; and
Pursuant to 12 U.S.C. 2906, the Board presents conclusions derived less than this aspect separately for metropolitan areas during which a bank maintains a number of domestic branch places of work and for the nonmetropolitan space of a Condition if a lender maintains a number of domestic branch offices in these nonmetropolitan region.
means a financial institution's loans in one of the following, independent categories in a specific Retail Lending Exam Space:
Pursuant to § 228.21, the Neighborhood Enhancement Financing Examination evaluates the bank's record of assisting to fulfill the credit history desires of its overall Local community through community improvement loans and Group growth investments (
(B) The Board determines that evaluation underneath the strategy wouldn't provide a a lot more meaningful reflection from the lender's document of assisting to fulfill the credit history requires of your financial institution's Neighborhood;
usually means a closed-stop home mortgage loan loan or an open-close household home loan loan as these phrases are described in this segment.
A lender should specify in its prepare how all features of the prepare lined in paragraphs (g)(1) by way of (five) of this section, in conjunction with any other relevant efficiency checks not included in more info an accredited strategic strategy, ought to be considered to assign:
Other than as if not provided in this portion, a bank must make sure that its public file contains the data demanded by this part for every with the preceding 3 calendar yrs, with the most recent calendar year A part of its file on a yearly basis by April one of the current calendar calendar year.
(iii) The financial institution's document of lending to and, as appropriate, engaging in other retail and Group enhancement lending-associated pursuits for borrowers of various profits amounts and corporations and farms of different sizes;
A financial institution should manage a community file, in both paper or electronic format, that includes the subsequent info: