228 loan - An Overview
228 loan - An Overview
Blog Article
The Board critiques the influence and responsiveness on the lender's Neighborhood growth loans and community enhancement investments that profit or provide a State, as provided in § 228.fifteen.
Pursuant to § 228.28 and appendix C to this part, the Board assigns conclusions for just a financial institution's Retail Solutions and Products Exam general performance in Just about every facility-dependent evaluation area, Point out and multistate MSA, as applicable, and with the institution.
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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.
If a financial institution set up once-a-year measurable objectives and won't meet one or more of its satisfactory aims, the Board will consider the next things to determine the impact on a lender's CRA efficiency evaluation:
(ii) Inside the prior two calendar several years, the lender originated or purchased exterior the lender's facility-based mostly assessment locations over 50 p.c on the financial institution's household home loan loans, multifamily loans, compact business enterprise loans, compact farm loans, and car loans if vehicle loans are an item line with the lender, as described in paragraph II.a.2 of appendix A to this portion.
(6) A financial institution's closed-end residence home finance loan lending, small organization lending, little farm lending, or automobile lending in distressed or underserved nonmetropolitan middle-money census tracts the place a financial institution's nonmetropolitan facility-dependent assessment space or nonmetropolitan retail lending evaluation space includes only a few or no reduced- and average-profits census tracts; and
) Positive aspects or serves one or more geographic locations with very low amounts of community progress financing;
(five) A list of retail banking expert services (which includes hrs of Procedure, accessible loan and deposit products and solutions, and transaction costs) typically made available at click here the lender's branches and descriptions of material variances in The provision or expense of services at specific branches, if any.
The Board evaluates The supply and responsiveness of a financial institution's electronic supply units and other delivery units, which include to small- and average-profits persons, family members, or households on the institution amount by looking at:
) The amount of examining and personal savings accounts opened digitally and through other shipping methods that happen to be Lively at the end of Each individual calendar yr by census tract profits level for each calendar calendar year.
) of this section in a similar calendar 12 months, of a community enhancement loan refinanced or renewed inside a calendar year subsequent towards the calendar year of origination or order, as of December 31 of your calendar 12 months for each and every year that the loan stays over the financial institution's stability sheet; or an present Neighborhood advancement investment renewed inside of a calendar year subsequent on the calendar year the financial commitment was built as of December 31 for each year which the investment decision stays on the financial institution's harmony sheet.
Notwithstanding the necessities of the portion, a armed forces lender whose customers usually are not Situated in a defined geographic location may well delineate your complete United States and its territories as its sole facility-based evaluation place.
A financial institution which has been approved being evaluated beneath a strategic program must consist of in its general public file a duplicate of that strategy though it truly is in impact. A lender need not involve facts submitted on the Board on a confidential foundation together with the plan.