228 loan - An Overview
228 loan - An Overview
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A financial institution may specify substitute weights for averaging examination overall performance throughout evaluation locations or other geographic parts. These option weights needs to be depending on the lender's capacity and Neighborhood requirements and opportunities in distinct geographic locations.
A lender have to make available to the public for inspection, on request and for free of charge, the knowledge demanded In this particular area as follows:
The Board evaluates a limited intent bank's Neighborhood development funding general performance in Each individual State or multistate MSA, as applicable pursuant to §§ 228.
In Just about every relevant Retail Lending Exam Space, the Board evaluates originated and bought loans in Every single of the following item lines that is a big merchandise line, as explained in paragraph (d)(two) of the part:
For a little lender evaluated under the Modest Lender Lending Examination, the Board premiums the financial institution's performance under this part as delivered in appendix E to this component.
The Board considers the branch availability and solutions presented at branches of banks that work one or more branches pursuant to paragraph (b)(two) of this part.
Remarks or questions on document material cannot be answered by OFR workers. Be sure to never provide confidential details or own knowledge.
These disclosure statements suggest the selection and greenback degree of all tiny enterprise loans and little farm loans originated or bought for every census tract as well as range and dollar amount of all Group development loans and Neighborhood growth investments for every county by reporting banks, besides that the Board may well regulate the form from the disclosure if essential, on account of Specific circumstances, to safeguard the privateness of the borrower or the aggressive placement of the lender.
Matter for the geographic needs in paragraph (b) of this segment, a big financial institution need to delineate, for a selected calendar 12 months, a retail lending assessment area in almost any MSA or during the nonmetropolitan region of any State wherein it originated:
Inside of a facility-dependent assessment space or outside retail lending space, a product line is A serious merchandise line In case the financial institution's loans in that product line comprise fifteen p.c or more with the bank's loans throughout all the lender's solution traces in the facility-based mostly evaluation region or exterior retail lending location, as identified pursuant to paragraph II.b.1 of appendix A to this portion.
Loans, investments, and providers that help tiny companies or small farms in accordance with how modest corporations and tiny farms are described within the applicable approach, system, or initiative, but excluding loans by a lender straight to tiny corporations or smaller farms (either as defined in the government plan, application, or initiative or in § 228.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
A lender have to incorporate in its program a concentrate on the credit requires read more of its whole Group, together with small- and reasonable-cash flow people today, family members, or households, very low- and moderate-money census tracts, and modest firms and modest farms. The bank have to explain how its prepare is responsive to the features and credit wants of its facility-centered assessment parts, retail lending evaluation locations, exterior retail lending area, or other geographic regions served from the financial institution, taking into consideration public comment as well as bank's capability and constraints, merchandise offerings, and small business tactic. As applicable, a financial institution will have to specify components in its strategy for assisting to satisfy:
Pursuant to § 228.21, the Retail Lending Test evaluates a lender's report of helping to fulfill the credit rating requirements of its full Local community throughout the lender's origination and purchase of home property finance loan loans, multifamily loans, smaller organization loans, and compact farm loans.