228 loan - An Overview
228 loan - An Overview
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(five) An index of retail banking expert services (together with hours of Procedure, obtainable loan and deposit products and solutions, and transaction fees) normally presented with the financial institution's branches and descriptions of fabric dissimilarities in the availability or cost of solutions at unique branches, if any.
The Board evaluates a financial institution's department availability and services in the facility-centered evaluation area determined by the following:
(ii) If a considerable bank is no longer required to delineate a retail lending evaluation spot Earlier identified from the prepare due to not Assembly the expected retail lending evaluation location thresholds pursuant to § 228.
(iii) An inventory showing Each and every census tract wherein the lender reported a small business enterprise loan or a little farm loan;
signifies, notwithstanding the definition of “small business enterprise” With this part, a loan included in “loans to modest businesses” as claimed in Plan RC-C of the decision Report.
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(two) The dispersion of the financial institution's closed-close residence home loan lending, little company lending, compact farm lending, or auto lending in just a facility-primarily based evaluation region to ascertain no matter whether there are actually gaps in lending that aren't explained by efficiency context;
(B) For each of a lender's facility-based assessment areas in a nonmetropolitan place, the Nonmetropolitan Nationwide Group Improvement Financing Benchmark actions the dollar volume of Local community advancement loans and Neighborhood development investments that reward or provide nonmetropolitan places from the nationwide area for all big depository establishments compared to deposits located in nonmetropolitan regions during the nationwide space for all significant depository establishments.
A significant financial institution that had assets better than $10 billion as of December 31 in both of those from the prior two calendar a long time have to gather and preserve per year, in Digital type, as prescribed by the Board, till the completion in the bank's following CRA assessment through which the data are evaluated, the dollar amount of its deposits in the county level according to deposit place.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(B) The housing is situated in a very census tract wherein the median money of renters is very low- or moderate-profits as well as median rent will not exceed 30 per cent of eighty % of the world median cash flow;
A financial institution which has been approved for being evaluated underneath a strategic system must incorporate in its community file a duplicate of that program though it really is in effect. A bank needn't include info submitted to your Board with a private foundation together with the program.
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Pursuant to § 228.21, the Group Growth Funding Examination for Limited Objective Financial institutions evaluates a confined intent financial institution's file of more info helping to fulfill the credit desires of its total Local community by way of Neighborhood advancement loans and Neighborhood improvement investments (