228 loan - An Overview
228 loan - An Overview
Blog Article
For every census tract wherein the lender originated or acquired a small business enterprise loan or compact farm loan, the financial institution have to report the aggregate number and greenback quantity of small business enterprise loans and modest farm loans:
The Board evaluates a bank's branch availability and solutions in a very facility-primarily based evaluation area based upon the subsequent:
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. Furthermore, When the Board deemed the home mortgage lending of the bank's functions subsidiaries or, in a financial institution's election, the Board considered the house mortgage lending of other lender affiliates, the lender need to involve in its community file the names of your functions subsidiaries along with the names of your affiliate marketers as well as a penned discover that the operations subsidiaries' and various affiliate marketers' HMDA Disclosure Statements could possibly be attained within the CFPB's Web site.
The Board evaluates a army lender pursuant for the relevant performance checks explained in paragraph (a) of this section.
For every important solution line, a Geographic Local community Benchmark, calculated pursuant to paragraph III.c of appendix A to this aspect for facility-centered evaluation spots and retail lending evaluation parts, and paragraph III.e of appendix A to this section for outdoor retail lending spots.
Just before distributing a draft plan to the Board for approval pursuant to paragraph (h) of the segment, a lender have to:
If an intermediate bank opts to generally be evaluated pursuant to your Neighborhood Advancement Funding Test in § 228.24, the Board evaluates the intermediate bank for that analysis time period preceding the bank's next CRA evaluation pursuant to your Community Growth Financing Test in § 228.24 and continues evaluations pursuant to this effectiveness exam for subsequent analysis durations until finally the bank opts out.
(e) Facts on Neighborhood improvement loans and community development investments by a consortium or possibly a 3rd party.
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Loans, investments, and providers that assistance compact companies or compact farms in accordance with how tiny businesses and small farms are defined during the applicable prepare, program, or initiative, but excluding loans by a financial institution directly to smaller companies or smaller farms (possibly as defined within a govt program, method, or initiative or in § 228.
The Multistate MSA Group Progress Funding Benchmark actions the greenback quantity of community growth loans and Neighborhood progress investments that reward or serve a multistate MSA for all substantial depository institutions in comparison with deposits situated in the multistate MSA for all massive depository institutions, calculated pursuant to paragraph II.h of appendix B to this portion.
For vehicle loans, the Board compares a bank's geographic and borrower distributions to your applicable Local community benchmarks, as delivered in paragraph (f) of this section and part VI of appendix A to this component.
The Bank Multistate MSA Community Enhancement Financing Metric actions the dollar volume of check here the lender's Group progress loans and community improvement investments that gain or serve a multistate MSA as compared to deposits during the lender situated in the multistate MSA, calculated pursuant to paragraph II.g of appendix B to this element.