228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a bank's retail banking solutions supplied from the lender's facility-centered assessment places and nationwide, as applicable, in the institution degree as follows:
The Board may well alter the score of an intermediate lender evaluated as furnished in paragraph (a)(2) of the segment from “Satisfactory” to “Exceptional” on the institution amount where by the lender requests and receives more consideration for things to do that may qualify pursuant on the Retail Expert services and Goods Test in § 228.23.
The Board considers Neighborhood progress loans and Group improvement investments allocated pursuant to paragraph I.b of appendix B to this aspect.
(B) The Board evaluates the little financial institution with the analysis period of time preceding the bank's upcoming CRA examination pursuant into the Retail Lending Check in § 228.22 and continues evaluations less than this performance take a look at for subsequent analysis periods till the lender opts out.
(i) Why the lender's enterprise model is outside the scope of, or inconsistent with, a number of facets of the overall performance assessments that would implement in the absence of an permitted strategy;
For every big product line, a Geographic Community Benchmark, calculated pursuant to paragraph III.c of appendix A to this component for facility-primarily based assessment locations and retail lending assessment areas, and paragraph III.e of appendix A to this part for outdoor retail lending spots.
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Revitalization or stabilization comprises things to do that assist revitalization or stabilization of qualified census tracts, like adaptive reuse of vacant or blighted properties, brownfield more info redevelopment, help of the approach for a business improvement district or major Avenue plan, or some other exercise that supports revitalization or stabilization, Which:
Issue for the geographic demands in paragraph (b) of this section, a significant lender have to delineate, for a particular calendar calendar year, a retail lending assessment region in almost any MSA or while in the nonmetropolitan location of any Point out where it originated:
In the facility-primarily based evaluation space or outside the house retail lending location, a product line is a major product or service line When the financial institution's loans in that merchandise line comprise fifteen per cent or even more in the lender's loans across most of the bank's products lines in the power-centered assessment location or exterior retail lending location, as identified pursuant to paragraph II.b.1 of appendix A to this aspect.
(B) In 5 calendar times of the request, all the knowledge the financial institution is needed to maintain below this part in the general public file relating to the facility-based mostly evaluation space in which the department is situated.
(B) The Nationwide Asset-Based Neighborhood Enhancement Expenditure Benchmark steps the greenback volume of Neighborhood growth investments that profit or serve all or Portion of the nationwide space, excluding home loan-backed securities, of all depository institutions that had assets better than $10 billion as of December 31 in both in the prior two calendar several years, in comparison with property for the people depository institutions, calculated pursuant to paragraph III.e of appendix B to this element.
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The Bank Multistate MSA Group Advancement Financing Metric actions the greenback volume of the bank's Local community development loans and Local community development investments that gain or provide a multistate MSA when compared with deposits in the financial institution situated in the multistate MSA, calculated pursuant to paragraph II.g of appendix B to this component.