228 loan - An Overview
228 loan - An Overview
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) Group progress loan or Neighborhood advancement expense element, such as the precise sort of financing and type of entity supported (
Pursuant to § 228.28 and appendix C to this section, the Board assigns conclusions for just a lender's Retail Companies and Items Check functionality in Every single facility-primarily based evaluation spot, State and multistate MSA, as relevant, and for your establishment.
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(one) A buyer loan is found in the census tract the place the borrower resides at enough time which the borrower submits the loan software;
The Board may perhaps approve a system soon after thinking about the criteria in paragraph (h)(three) of this area and when it determines the lender has offered adequate justification for the strategy and every facet of the program as necessary in paragraph (d) of the segment.
The Board employs the facility-centered assessment locations delineated by a lender in its analysis in the bank's CRA general performance Except if the Board determines that the ability-centered assessment spots tend not to adjust to the requirements of this portion.
(three) Gains or serves a number of geographic areas with reduced levels of community growth funding;
These disclosure statements show the number and greenback level of all little company loans and small farm loans originated or procured for each census tract and also the number and dollar quantity of all Group growth loans and community progress investments for each county by reporting banking companies, besides which the Board could regulate the form with the disclosure if essential, thanks to Particular circumstances, to safeguard the privateness of a borrower or the competitive posture of a financial institution.
(B) The Board establishes that evaluation under the strategy wouldn't provide a a lot more significant reflection with the lender's history of helping to meet the credit score requires of your lender's Group;
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The Board evaluates a financial institution's remote support facility availability in the facility-dependent assessment spot based upon the next:
A big bank must obtain and retain in electronic form, as prescribed by the Board, right until completion with the financial institution's subsequent CRA assessment where the data are evaluated, the subsequent knowledge with respect to retail banking products and services and retail banking merchandise supplied and furnished by the bank in the course of Every single calendar calendar year:
On request, a financial institution need to provide copies, both on paper or in digital sort satisfactory to the individual generating the request, of the knowledge in its public file. The lender could demand an affordable fee to not exceed the expense of copying and mailing (if not delivered in digital sort).
signifies a channel by which banking companies offer retail banking providers electronically, including on the web banking or cellular banking.