228 loan - An Overview
228 loan - An Overview
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(6) A map of each facility-dependent assessment area and, as applicable, Each and every retail lending evaluation region displaying the boundaries of the region and identifying the census tracts contained in the region, either to the map or inside a different list; and
Besides as or else supplied With this segment, a financial institution ought to be sure that its general public file includes the knowledge demanded by this section for every of the earlier 3 calendar years, with the most recent calendar year A part of its file on a yearly basis by April 1 of the present calendar 12 months.
In Every single relevant Retail Lending Examination Location, the Board evaluates originated and bought loans in Every single of the next item strains that is a important product or service line, as described in paragraph (d)(two) of this portion:
For a little bank evaluated under the Tiny Financial institution Lending Examination, the Board fees the financial institution's overall performance under this part as supplied in appendix E to this component.
The Board considers the weighted typical with the functionality scores akin to the lender's Group Development Financing Take a look at conclusions for its facility-centered evaluation areas in the Point out, pursuant to section IV of appendix B to this section.
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If an intermediate lender opts being evaluated pursuant for the Neighborhood Growth Funding Check in § 228.24, the Board evaluates the intermediate lender with the evaluation interval previous the bank's next CRA assessment pursuant to the Neighborhood Improvement Financing Test in § 228.24 and carries on evaluations pursuant to this functionality check for subsequent evaluation durations right up until the financial institution opts out.
(B) Inside of 5 calendar times of your ask for, all the information that the lender is required to maintain under this area in the general public read more file concerning the power-primarily based assessment spot where the department is situated.
The bank allocates the deposits for which a deposit place just isn't available to the nationwide space. Yearly deposits needs to be calculated dependant on average each day balances as delivered in statements such as month to month or quarterly statements. Every other financial institution that opts to gather and keep the data Within this paragraph (a)(seven) have to achieve this in precisely the same type and for a similar duration as described in this paragraph (a)(seven).
(B) A financial institution besides a large financial institution may contain a Local community advancement solutions element and accompanying annual measurable objectives in its approach.
) The quantity of examining and price savings accounts opened digitally and through other shipping and delivery systems by census tract profits level for each calendar yr; and
(iii) A financial institution that features more performance analysis elements with accompanying annual measurable objectives in its strategy must specify the geographic areas where Those people parts and ambitions utilize.
implies a channel through which financial institutions offer you retail banking expert services electronically, like on the web banking or mobile banking.