228 loan Options
228 loan Options
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Except as in any other case delivered On this part, a lender must be sure that its general public file contains the information demanded by this segment for each on the past a few calendar decades, with The newest calendar calendar year A part of its file yearly by April 1 of the current calendar year.
(B) The Board evaluates the compact financial institution to the analysis time period previous the bank's following CRA examination pursuant to the Retail Lending Exam in § 228.22 and carries on evaluations less than this general performance examination for subsequent analysis periods right until the lender opts out.
A financial institution matter to facts reporting needs pursuant to § 228.forty two should include things like in its general public file a penned notice that the CRA Disclosure Statement pertaining towards the financial institution, its operations subsidiaries, and its other affiliate marketers, if applicable, can be attained over the FFIEC's Web site at:
(A) Combines the effectiveness scores for every supporting conclusion for every important item line into a product line rating; and
In advance of distributing a draft want to the Board for approval pursuant to paragraph (h) of the part, a bank should:
A financial institution that gained a below “Satisfactory” institution ranking in the course of its most up-to-date examination need to consist of in its community file an outline of its recent endeavours to enhance its overall performance in helping to meet up with the credit history requirements of its overall community.
(5) Details and knowledge furnished by the lender concerning the financial institution's small business method and product choices;
(five) Whether the Retail Lending Examination encouraged conclusion isn't going to precisely reflect the lender's performance in a Retail Lending Exam Place wherein one or more from the lender's key solution strains contains fewer than thirty loans;
(A) For every of the lender's facility-primarily based evaluation places in just an MSA, the MSA Nationwide Community Advancement Financing Benchmark actions the dollar volume of community growth loans and Local community progress investments that advantage or serve MSAs while in the nationwide place for all significant depository institutions compared to deposits located in the MSAs within the nationwide location for all massive depository institutions.
(four) The amount and dollar quantity of Group development loans and community enhancement investments reported as originated or purchased inside each facility-centered evaluation area, Each and every Condition during which the bank has a branch, Each and every multistate get more info MSA wherein a financial institution incorporates a branch in two or even more States with the multistate MSA, and nationwide space beyond these States and multistate MSAs.
For every key product line, a Borrower Neighborhood Benchmark, calculated pursuant to paragraph IV.c of appendix A to this component for facility-centered assessment places and retail lending assessment areas, and paragraph IV.e of appendix A to this section for out of doors retail lending places.
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