Not known Details About 228 loan
Not known Details About 228 loan
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A bank might prepare a single system or different options for its facility-primarily based evaluation parts, retail lending assessment locations, outside retail lending area, or other geographic spots that may be evaluated in the absence of an accredited strategy.
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Aside from a little financial institution that opts to be evaluated pursuant to the Retail Lending Exam in § 228.22, the Board assigns conclusions to the efficiency of a little financial institution evaluated less than this portion as presented in appendix E to this section.
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) A list of the geographic spots served through the Local community improvement loan or Group growth financial investment, specifying any county, State, multistate MSA, or nationwide spot served; and
(A) Combines the efficiency scores for each supporting summary for each significant solution line into an item line rating; and
The Board's consideration in the branch distribution metrics is knowledgeable by the following benchmarks:
) A bank may possibly use alternative weights for combining the borrower and geographic distribution analyses for main merchandise line(s) or other loan products.
signifies the period of time, typically in calendar decades, for the duration of which a lender performed the actions which the Board evaluates inside a CRA evaluation, in accordance Using the Board's rules and strategies.
Pursuant to § 228.28 and paragraph file of appendix D to this part, the Board incorporates the conclusions of a lender evaluated below an authorised system into its Point out or multistate MSA ratings, as relevant, and its establishment rating, accounting for paragraph g.2 of appendix D to this aspect, as applicable.
An intermediate lender or a small financial institution for which auto loans are an item line may 228 loan well accumulate and preserve within a structure with the financial institution's picking, such as in an Digital type prescribed by the Board, until the completion on the financial institution's up coming CRA examination wherein the information are evaluated, the data described in paragraphs (a)(2)(iii)(A) as a result of (F) of the section for each auto loan originated or acquired from the financial institution through the evaluation period.
(three) The volume of lenders whose dwelling mortgage loans, multifamily loans, small enterprise loans, and little farm loans and deposits data are used to determine the applicable Retail Lending Quantity Threshold, geographic distribution sector benchmarks, and borrower distribution current market benchmarks;
Loans by a lender straight to enterprises or farms, including, although not restricted to, loans in conjunction or syndicated which has a U.
(one) For financial institutions that keep a website, all information and facts demanded to the financial institution's community file below this part should be maintained around the lender's Web-site.