228 loan - An Overview
228 loan - An Overview
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A significant financial institution must obtain and maintain in electronic kind, as prescribed by the Board, till the completion with the bank's following CRA evaluation by which the data are evaluated, the following info for every little organization loan or compact farm loan originated or obtained with the bank throughout the evaluation period of time:
suggests a lender that isn't from the company of extending closed-conclude property mortgage loans, smaller small business loans, modest farm loans, or vehicle loans evaluated below § 228.
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The Board could take into consideration a bank's Neighborhood development loans, community advancement investments, and Group development expert services provided outside of its facility-centered assessment regions, as presented in this element.
(ix) An indicator for whether the loan was to a company or farm with gross once-a-year revenues greater than $1 million; and
(i) All the data needed for the bank's general public file needs to be maintained at the primary Business and, if an interstate financial institution, at 1 department Business in Just about every Condition; and
A bank must make accessible to the public for inspection, upon request and at no cost, click here the knowledge essential With this area as follows:
) Rewards or serves a number of geographic spots with low amounts of Group enhancement financing;
Subject for the geographic requirements in paragraph (b) of this segment, a large financial institution must delineate, for a particular calendar 12 months, a retail lending evaluation location in almost any MSA or from the nonmetropolitan space of any Condition wherein it originated:
Pursuant to § 228.28 and paragraph file of appendix D to this component, the Board incorporates the conclusions of a financial institution evaluated under an accredited strategy into its State or multistate MSA ratings, as relevant, and its institution rating, accounting for paragraph g.two of appendix D to this aspect, as relevant.
(A) A replica of the public part in the lender's newest CRA effectiveness evaluation and a listing of solutions supplied by the department; and
(3) The number of lenders whose home home loan loans, multifamily loans, little small business loans, and modest farm loans and deposits info are employed to determine the relevant Retail Lending Quantity Threshold, geographic distribution industry benchmarks, and borrower distribution marketplace benchmarks;
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