228 loan - An Overview
228 loan - An Overview
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The Board may possibly adjust a small bank score from “Satisfactory” to “Outstanding” in the institution stage exactly where the financial institution requests and receives supplemental thing to consider for things to do that may qualify pursuant towards the Retail Companies and Items Examination in § 228.
(two) A retail lending evaluation space may not extend past a State boundary Except if the retail lending assessment region is made of counties in the multistate MSA.
suggests, notwithstanding the definition of “small farm” On this section, a loan A part of “loans to smaller farms” as documented in Program RC-C of the Call Report.
The Board publishes on its general public Site, at the very least 30 days upfront of the beginning of each calendar quarter, a list of banking companies scheduled for CRA examinations for the subsequent two quarters.
The Board evaluates a bank's Group improvement companies general performance in the facility-dependent evaluation spot and assigns a summary for the facility-based evaluation spot, by thinking about a number of of the following:
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(four) Missing or faulty facts that could be necessary to determine the appropriate metrics and benchmarks or any other factors that avert the Board from calculating a Retail Lending Check encouraged conclusion.
For a sizable bank required to report house get more info home finance loan loan info pursuant to 12 CFR aspect 1003, the Board will publish on the Board's Web site the data essential by paragraph (j)(two) of this area in regards to the distribution of a big bank's originations and apps of dwelling house loan loans by borrower or applicant income level, race, and ethnicity in Just about every with the financial institution's facility-primarily based assessment places, and as applicable, its retail lending evaluation regions. This info is published on a yearly basis based upon knowledge documented pursuant to 12 CFR section 1003.
Topic for the geographic necessities in paragraph (b) of the section, a big financial institution should delineate, for a particular calendar yr, a retail lending assessment spot in almost any MSA or from the nonmetropolitan location of any Condition by which it originated:
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The Board considers the weighted ordinary from the functionality scores comparable to the financial institution's conclusions for that Neighborhood Growth Financing Test for its facility-centered evaluation regions inside the nationwide space, calculated pursuant to area IV of appendix B to this component.
(B) A lender may possibly specify using property instead denominator for any Local community improvement financing metric if it superior steps a bank's ability.
A lender required to report property home loan loan details pursuant to 12 CFR element 1003 need to contain in its general public file a written discover the financial institution's HMDA Disclosure Statement may very well be attained on the Consumer Money Protection Bureau's (CFPB's) Internet site at: