228 loan - An Overview
228 loan - An Overview
Blog Article
The Board reviews the effect and responsiveness of your lender's community enhancement loans and community advancement investments that gain or provide a Point out, as offered in § 228.15.
Merely a bank that's an affiliate of a Keeping firm have to incorporate the subsequent to the last sentence of the notices. A financial institution have to contain the last sentence with the notices only if it is an affiliate of a Keeping enterprise that's not prevented by statute from buying additional depository establishments.
The Board evaluates a limited objective financial institution's Neighborhood growth funding performance in each State or multistate MSA, as applicable pursuant to §§ 228.
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The Restricted Objective Lender Group Progress Financing Metric steps the greenback quantity of a bank's community enhancement loans and Local community advancement investments that benefit or provide all or Portion of the nationwide region in comparison with the financial institution's belongings calculated pursuant to paragraph III.a of appendix B to this section.
The Board could change a little lender ranking from “Satisfactory” to “Excellent” with the establishment stage where by the lender requests and gets additional consideration for the following routines, devoid of regard to if the activity is in a number of of your lender's facility-centered evaluation spots, as relevant:
The Nationwide Asset-Based Group Progress Financing Benchmark steps the dollar quantity of Neighborhood development loans and Local community advancement investments that benefit or serve all or A part of the nationwide place of all depository institutions that claimed pursuant to § 228.
(1) Revitalization or stabilization, critical Local community facilities, vital Neighborhood infrastructure, and catastrophe preparedness and weather resiliency pursuits in Native Land Regions are actions specifically qualified to and performed in Indigenous Land Locations.
The Lender Evaluation Region Neighborhood Progress Funding Metric steps the dollar volume of the lender's Local community progress loans and Local community progress investments that gain or serve a facility-dependent evaluation place compared to deposits in the lender that are located in the facility-based evaluation location, calculated pursuant to paragraph II.a of appendix B to this element.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
The Board evaluates click here the history of an intermediate bank, or a small bank that opts being evaluated underneath the Retail Lending Exam, of assisting to meet the credit history demands of its complete Group in its exterior retail lending region pursuant to § 228.22, for a certain calendar yr, if:
A considerable financial institution have to collect and report back to the Board per year by April 1 a list of Every single retail lending assessment place exhibiting the States, MSAs, and counties in the retail lending evaluation region to the prior calendar 12 months.
A bank have to incorporate in its strategy a focus on the credit history wants of its whole Group, which include minimal- and average-cash flow folks, people, or households, low- and reasonable-earnings census tracts, and compact organizations and tiny farms. The lender must describe how its prepare is responsive to the properties and credit score needs of its facility-based mostly evaluation locations, retail lending evaluation areas, outdoors retail lending place, or other geographic locations served because of the bank, taking into consideration general public remark and also the financial institution's ability and constraints, products offerings, and company method. As applicable, a financial institution ought to specify factors in its plan for helping to meet:
has the identical meaning as that expression is defined via the Director in the Office of Administration and Spending budget.