Fascination About 228 loan
Fascination About 228 loan
Blog Article
The Board evaluates a small financial institution's history of assisting to meet the credit score needs of its overall community pursuant into the Modest Financial institution Lending Take a look at as provided in paragraph (a)(2) of this portion, Except if the little bank opts being evaluated pursuant to the Retail Lending Test in § 228.22.
(iii) Any instances past the control of the bank, like financial problems or other industry factors or situations, that have adversely impacted the financial institution's capability to execute.
. Furthermore, In the event the Board deemed the home mortgage loan lending of a financial institution's functions subsidiaries or, in a financial institution's election, the Board thought of the home property finance loan lending of other financial institution affiliates, the bank should include things like in its public file the names from the operations subsidiaries and the names of your affiliates as well as a penned notice which the operations subsidiaries' as well as other affiliates' HMDA Disclosure Statements may very well be acquired in the CFPB's Web-site.
(B) Besides as provided in § 228.51(e), a large bank which has a mixed full of ten or even more facility-primarily based assessment locations and retail lending evaluation areas in almost any State or multistate MSA, as applicable, or for the institution may well not get a ranking of “Satisfactory” or “Fantastic” in that Point out or multistate MSA, as relevant, or for the institution, Except if the financial institution receives an In general 228 loan summary of at the least “Reduced Satisfactory” in 60 percent or more of the entire range of its facility-based mostly evaluation places and retail lending assessment parts in that Condition or multistate MSA, as relevant, or for the establishment.
(ix) An indicator for whether or not the loan was to a business or farm with gross yearly revenues larger than $one million; and
The Board works by using the ability-primarily based assessment areas delineated by a financial institution in its analysis in the bank's CRA general performance Except the Board decides that the ability-based evaluation regions tend not to comply with the necessities of this portion.
스팸 게시물이 확대 생성되는 것을 방지하기 위하여 문구 및 사용 제한기간을
A considerable lender will have to accumulate and preserve in electronic form, as prescribed from the Board, until the completion from the lender's future CRA examination in which the data are evaluated, the next data for every modest small business loan or smaller farm loan originated or purchased by the lender over the evaluation interval:
suggests a loan to a number of persons for house, family, or other personal expenditures and that is among the following sorts of loans:
) of this area, the percentage of responsive deposit accounts when compared with whole deposit accounts for every year on the analysis period.
The Board considers the loans, investments, expert services, and products of affiliate marketers of the bank that aren't functions subsidiaries, in the lender's selection, subject matter to the following:
A substantial financial institution should gather and report to the Board each year by April one an index of Every retail lending assessment location displaying the States, MSAs, and counties from the retail lending evaluation space with the prior calendar calendar year.
Notwithstanding the necessities of the part, a military services lender whose prospects aren't located in just an outlined geographic spot may possibly delineate your entire America and its territories as its sole facility-based mostly evaluation space.
작성하신 게시글에 사용이 제한된 문구가 포함되어 일시적으로 등록이 제한됩니다.