228 loan - An Overview
228 loan - An Overview
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(1) Data indicating that a financial institution acquired closed-finish property mortgage loan loans, tiny business loans, little farm loans, or vehicle loans for the sole or Main objective of inappropriately maximizing its retail lending effectiveness, such as, although not limited to, information and facts indicating subsequent resale of such loans or any indication that this kind of loans have been regarded in various depository establishments' CRA evaluations, by which circumstance the Board will not take into account this kind of loans within the lender's general performance analysis;
(ii) The retail banking solutions and retail banking products and solutions desires of its facility-primarily based evaluation areas and in the establishment amount which have been lined through the program.
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(B) Apart from as supplied in § 228.51(e), a considerable financial institution that has a mixed overall of 10 or more facility-primarily based evaluation regions and retail lending assessment locations in almost any Point out or multistate MSA, as relevant, or for the institution might not get a rating of “Satisfactory” or “Remarkable” in that Condition or multistate MSA, as relevant, or to the establishment, unless the financial institution gets an Total conclusion of at the least “Lower Satisfactory” in 60 p.c or even more of the full quantity of its facility-based mostly assessment regions and retail lending assessment areas in that State or multistate MSA, as relevant, or for your establishment.
A bank that gained a less than “Satisfactory” institution score for the duration of its newest assessment will have to include in its general public file an outline of its present attempts to further improve its efficiency in assisting to satisfy the credit score demands of its full Group.
(iii) A listing exhibiting Every single census tract in which the financial institution claimed a little small business loan or a small farm loan;
A financial institution will have to make available to the public for inspection, on request and without charge, the data needed Within this section as follows:
) Positive aspects or serves a number of geographic regions with reduced levels of community advancement funding;
A financial institution or cost savings Affiliation's history of efficiency would be the foundation for denying or conditioning approval of an software outlined in paragraph (a) of this portion.
In case you have thoughts with the Company that issued The present doc be sure to contact the company right.
(A) For each of a financial institution's facility-based assessment places within just an MSA, the MSA Nationwide Neighborhood Progress Funding Benchmark steps the greenback quantity of Neighborhood enhancement loans and Group enhancement investments that advantage or serve MSAs within the nationwide region for all substantial depository establishments in comparison with deposits located in the MSAs get more info during the nationwide space for all massive depository establishments.
The Multistate MSA Neighborhood Improvement Funding Benchmark actions the greenback volume of Group growth loans and Neighborhood development investments that profit or serve a multistate MSA for all large depository establishments in comparison to deposits situated in the multistate MSA for all massive depository institutions, calculated pursuant to paragraph II.h of appendix B to this aspect.
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The Board considers the weighted common in the efficiency scores akin to the bank's Community Enhancement Funding Examination conclusions for its facility-primarily based evaluation spots throughout the multistate MSA, calculated pursuant to part IV of appendix B to this portion.