228 loan - An Overview
228 loan - An Overview
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. The bank must contain the written observe in the general public file within just 3 enterprise days after acquiring notification from your FFIEC of The supply of the disclosure assertion.
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The Board considers Group growth loans and Neighborhood enhancement investments allotted pursuant to paragraph I.b of appendix B to this portion.
(B) The Board evaluates the small financial institution for your analysis interval previous the bank's next CRA evaluation pursuant to the Retail Lending Take a look at in § 228.22 and continues evaluations below this effectiveness take a look at for subsequent analysis durations right up until the bank opts out.
) A list of the geographic regions served by the Neighborhood development loan or Neighborhood progress expenditure, specifying any county, Point out, multistate MSA, or nationwide area served; and
The Board considers the department availability and solutions furnished at branches of banking institutions that work a number of branches pursuant to paragraph (b)(2) of the portion.
(two) The dispersion of a lender's closed-finish home mortgage lending, compact business lending, smaller farm lending, or vehicle lending within a facility-dependent assessment space to find out whether or not you will find gaps in lending that aren't explained by effectiveness context;
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(3) The selection and dollar volume of smaller organization loans and smaller farm loans located inside Just about every facility-based assessment place and retail lending evaluation region documented via the bank as well as the range and greenback quantity of small enterprise loans and modest farm loans Positioned beyond the power-centered evaluation areas and retail lending evaluation areas claimed because of the lender; and
The financial institution check here allocates the deposits for which a deposit place is not accessible to the nationwide spot. Annual deposits must be calculated based on normal day-to-day balances as offered in statements for instance month to month or quarterly statements. Almost every other financial institution that opts to gather and sustain the info In this particular paragraph (a)(seven) have to do so in the exact same kind and for a similar duration as described During this paragraph (a)(7).
A financial institution have to specify in its prepare how all aspects of a program coated in paragraphs (g)(1) through (five) of this portion, along side any other relevant general performance assessments not included in an approved strategic approach, really should be deemed to assign:
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Upon ask for, a financial institution must provide copies, both on paper or in electronic sort satisfactory to the individual creating the request, of the data in its general public file. The lender may well cost a reasonable cost not to exceed the price of copying and mailing (if not delivered in digital variety).
The Board evaluates a constrained intent lender's community advancement funding general performance within the nationwide location, pursuant to § 228.19, and assigns a summary for that establishment dependant on the Board's thing to consider of the subsequent two factors: