228 loan Options
228 loan Options
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(four) Some other evidence demonstrating that the lender's Local community growth companies are attentive to Local community improvement requirements, such as the amount of very low- and average-profits people today which can be contributors, or quantity of organizations served; and
(two) A retail lending assessment area may not prolong beyond a Condition boundary Unless of course the retail lending evaluation spot contains counties within a multistate MSA.
(ii) If a big bank is now not needed to delineate a retail lending assessment location Earlier discovered within the strategy on account of not Assembly the essential retail lending assessment region thresholds pursuant to § 228.
The Board may perhaps contemplate a bank's Group progress loans, Group enhancement investments, and community advancement solutions furnished beyond its facility-primarily based assessment locations, as furnished In this particular portion.
(three) If your bank revised the Preliminary draft strategy in reaction to the public input gained, the initial draft plan as released for public comment with a proof from the related improvements; and
(A) Combines the functionality scores for each supporting summary for every significant merchandise line into a product line rating; and
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A bank ought to delineate one or more facility-dependent evaluation parts in which the Board evaluates the bank's file of assisting to meet up with the credit demands of its entire get more info community pursuant into the efficiency exams and strategic prepare explained in § 228.21.
signifies a loan to one or more individuals for house, family, or other private expenses and that is probably the pursuing types of loans:
An Modification to the system ought to comply with all related specifications of the part, Except if the Board waives a prerequisite as not applicable.
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(x) An indicator for if the loan was to a business or farm for which gross yearly revenues are usually not recognized via the lender.
Loans by a financial institution directly to companies or farms, which includes, but not limited to, loans in conjunction or syndicated with a U.
The Board considers the loans, financial investment, products and services, and solutions of the bank's functions subsidiaries underneath this portion, Unless of course an functions subsidiary is independently subject matter for the CRA.