228 loan - An Overview
228 loan - An Overview
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A bank might specify alternative weights for averaging exam performance across evaluation areas or other geographic locations. These option weights need to be according to the lender's capability and community requirements and options in particular geographic areas.
means a lender that is not while in the company of extending closed-conclude household home finance loan loans, small business loans, modest farm loans, or auto loans evaluated underneath § 228.
(1) Any information and facts relating to a lender's institutional potential or constraints, such as the dimensions and fiscal situation from the financial institution, security and soundness constraints, or every other lender-certain things that substantially have an impact on the bank's capacity to deliver retail lending, retail banking expert services and retail banking items, Local community advancement loans, Local community development investments, or Neighborhood progress services;
In case the Board receives a public remark prior to the near date of the financial institution's CRA evaluation, the public remark is going to be regarded in connection with that CRA examination.
For a little bank evaluated beneath the Small Financial institution Lending Test, the Board premiums the lender's effectiveness below this part as supplied in appendix E to this aspect.
(ii) If a considerable lender will not be subject matter to reporting less than twelve CFR portion 1003 because of the location of its branches, but would if not meet the house Mortgage Disclosure Act (HMDA) size and lending exercise prerequisites pursuant to twelve CFR element 1003, the bank must obtain and retain, in electronic form, as prescribed via the Board, till the completion of the financial institution's up coming CRA examination through which the data are evaluated, the subsequent info, for every closed-close property property finance loan loan, excluding multifamily loans, originated or acquired through the analysis period:
(six) A financial institution's closed-stop house mortgage click here loan lending, tiny organization lending, tiny farm lending, or car lending in distressed or underserved nonmetropolitan Center-profits census tracts wherever a bank's nonmetropolitan facility-based evaluation place or nonmetropolitan retail lending assessment area includes hardly any or no very low- and moderate-income census tracts; and
The Board evaluations the effect and responsiveness from the lender's Group enhancement loans and Group growth investments that reward or provide the nationwide place, as presented in § 228.15.
(iv) The community development products and services desires of its facility-based mostly assessment parts served through the lender which have been covered via the program.
(5) Whether or not the Retail Lending Take a look at proposed conclusion doesn't properly mirror the bank's overall performance in a Retail Lending Take a look at Spot during which a number of in the lender's key item traces includes much less than 30 loans;
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A significant lender must accumulate and report to the Board each year by April 1 a summary of Just about every retail lending evaluation place exhibiting the States, MSAs, and counties during the retail lending evaluation place for that prior calendar 12 months.
(ii) The Board considers an intermediate bank's Group growth loans, community progress investments, and community progress companies with no regard to whether or not the activity is built in one or more of your bank's facility-dependent assessment regions. The extent of your Board's consideration of Local community enhancement loans, Neighborhood enhancement investments, and Neighborhood enhancement expert services beyond the bank's facility-primarily based assessment spots will rely on the adequacy in the lender's responsiveness to Group improvement wants and prospects throughout the lender's facility-centered evaluation areas and applicable functionality context facts.
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