228 loan - An Overview
228 loan - An Overview
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For each census tract through which the financial institution originated or obtained a little business enterprise loan or smaller farm loan, the lender need to report the aggregate number and greenback level of compact business loans and smaller farm loans:
The Board may possibly change the score of an intermediate financial institution evaluated as provided in paragraph (a)(two) of this portion from “Satisfactory” to “Remarkable” in the institution amount where the bank requests and receives added thought for activities that might qualify pursuant into the Retail Services and Items Examination in § 228.23.
The Board considers Local community growth loans and community improvement investments allocated pursuant to paragraph I.b of appendix B to this element.
An intermediate bank or a small financial institution for which vehicle loans are an item line may gather and manage inside a format on the financial institution's picking out, together with in an electronic variety prescribed by the Board, until the completion from the lender's future CRA examination by which the info are evaluated, the information explained in paragraphs (a)(2)(iii)(A) via (F) of this segment for each auto loan originated or purchased via the bank through the evaluation period.
(iii) A populace lack of 10 % or even more among the former and most up-to-date decennial census or even a net populace reduction of five % or even more about the 5-12 months period of time preceding The latest census.
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A lender should make available to the public for inspection, upon request and without charge, the data demanded Within this segment as follows:
(ii) Any county in a nonmetropolitan spot during which the bank didn't originate or acquire any closed-stop residence home loan loans, compact organization loans, smaller farm loans, or car loans if vehicle loans are an item line for that bank.
The Board critiques the impact and responsiveness with the lender's Group development loans and Local community development investments that gain or serve a multistate MSA, as supplied in § 228.fifteen.
A bank may perhaps post more data for the Board on a private foundation, however the targets mentioned from the program need to be sufficiently certain to help the public along with the Board to guage the deserves on the prepare.
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A big lender will have to collect and sustain, in the format with the lender's picking out or in a very standardized format, as supplied by the Board, right up until the completion of the financial institution's subsequent CRA assessment in which the info are evaluated, the subsequent community advancement providers knowledge:
For automobile loans, the Board compares a financial institution's geographic and borrower distributions website for the relevant community benchmarks, as offered in paragraph (file) of this portion and section VI of appendix A to this portion.
When assigning scores, the Board considers a bank's earlier effectiveness. If a bank's prior ranking was “Demands to boost,” the Board may figure out that a “Sizeable Noncompliance” ranking is appropriate where the lender failed to improve its performance For the reason that previous analysis period, without satisfactory foundation for these failure.