228 loan - An Overview
228 loan - An Overview
Blog Article
The Board may alter a little bank ranking from “Satisfactory” to “Fantastic” within the institution degree the place the bank requests and receives extra thought for pursuits that may qualify pursuant on the Retail Expert services and Solutions Examination in § 228.
(ii) The retail banking providers and retail banking solutions needs of its facility-based mostly assessment regions and in the institution level which can be covered via the plan.
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The Board considers the utilization of a lender's deposit goods responsive to the needs of small- and moderate-income people today, family members, or households depending on the following information:
(i) A lender could include overall performance analysis elements and accompanying annual measurable plans For extra geographic regions but may well not reduce the evaluation of its performance in almost any geographic region that would be included in its general performance analysis while in the absence of the approved strategy.
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If an intermediate bank opts being evaluated pursuant towards the Local community Development Financing Take a look at in § 228.24, the Board evaluates the intermediate bank for that analysis interval preceding the lender's next CRA evaluation pursuant into the Group Advancement Funding Take a look at in § 228.24 and proceeds evaluations pursuant to this overall performance examination for subsequent analysis intervals right until the lender opts out.
(three) The quantity and dollar quantity of compact organization loans and small farm loans Situated within Each individual facility-based mostly website evaluation space and retail lending evaluation spot reported through the financial institution and the amount and greenback quantity of compact company loans and modest farm loans Found beyond the power-centered evaluation areas and retail lending evaluation locations noted through the financial institution; and
means a shut-close dwelling property finance loan loan or an open up-conclusion household home finance loan loan as these phrases are outlined In this particular area.
Throughout the period if the bank is formally soliciting public touch upon its Original draft strategy, the financial institution will have to make copies from the First draft approach readily available for critique for gratis in any respect places of work of your lender in almost any facility-based assessment location lined because of the approach and supply copies of your Original draft plan upon ask for for an inexpensive rate to cover copying and mailing, if relevant.
) Any rise in the calendar calendar year to an present Local community progress loan that may be refinanced or renewed or to an current community development expense that's renewed;
(i) Impedes its ability to carry out in a satisfactory stage beneath the program, including fiscal constraints due to important activities that influence the nearby or countrywide financial state; or
(4) In the event the financial institution didn't revise the Preliminary draft plan in response to suggestions or considerations from general public input gained, an explanation for why any suggestion or worry wasn't dealt with in the draft program.