228 loan - An Overview
228 loan - An Overview
Blog Article
A bank may possibly get ready just one prepare or different ideas for its facility-based mostly evaluation spots, retail lending assessment regions, outside the house retail lending location, or other geographic regions that may be evaluated within the absence of an permitted plan.
(2) A retail lending evaluation region may well not extend outside of a Point out boundary Unless of course the retail lending evaluation space includes counties within a multistate MSA.
The Board considers community progress loans and Local community improvement investments allocated pursuant to paragraph I.b of appendix B to this aspect.
(iii) An inventory displaying Every single census tract in which the financial institution reported a small enterprise loan or a little farm loan;
(D) A financial institution besides a considerable lender may well include things like retail banking services or retail banking items element(s) and accompanying annual measurable plans in its approach.
A lender topic to data reporting needs pursuant to § 228.forty two must include things like in its general public file a composed detect that the CRA Disclosure Statement pertaining on the lender, its operations subsidiaries, and its other affiliates, if applicable, could possibly be attained on the FFIEC's Internet site at:
Pursuant to § 228.28 and appendix D to this component, the Board incorporates a bank's Retail Lending Exam conclusions into its Point out or multistate MSA rankings, as applicable, and its establishment score.
Revitalization or stabilization comprises routines that guidance revitalization or stabilization of targeted census tracts, like adaptive reuse of vacant or blighted properties, brownfield redevelopment, support of a system for a company improvement district or major Avenue program, or every other action that supports revitalization or stabilization, and that:
The Board assessments the effects and responsiveness with the bank's Group progress loans and Neighborhood development investments that gain or provide a multistate MSA, as supplied in § 228.fifteen.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(A) A bank may perhaps specify yearly measurable goals for Local community advancement loans, community growth investments, or each. The lender should foundation any annual measurable ambitions as being a proportion or ratio of the financial institution's Group advancement loans and Group improvement investments for all or selected kinds of Local community improvement described in § 228.
(B) The Nationwide Asset-Primarily based Local community Development Expenditure Benchmark steps the greenback quantity of community advancement investments that gain or provide all or Element of the nationwide area, excluding mortgage loan-backed securities, of all depository institutions that had assets better than $ten billion as of December 31 in both of those from the prior two calendar many years, compared to belongings for those depository institutions, calculated pursuant to paragraph III.e of appendix B to this aspect.
A lender should keep a get more info general public file, in possibly paper or electronic structure, that features the following info:
The Board considers the loans, expense, solutions, and products of the bank's functions subsidiaries underneath this portion, Unless of course an functions subsidiary is independently subject matter for the CRA.