The best Side of 228 loan
The best Side of 228 loan
Blog Article
The Board critiques the effects and responsiveness in the lender's Group enhancement loans and community development investments that profit or serve a Point out, as offered in § 228.fifteen.
A financial institution will have to make available to the public for inspection, on ask for and at no cost, the information essential in this area as follows:
This component implements the requirement within the CRA that the Board evaluate a lender's history of assisting to meet up with the credit score demands on the regional communities through which the bank is chartered, in line with the Secure and sound Procedure with the financial institution, and to choose this report into consideration while in the company's analysis of an software for a deposit facility with the bank. Appropriately, this part:
(B) The Board evaluates the compact financial institution for your evaluation time period previous the bank's following CRA examination pursuant to the Retail Lending Examination in § 228.22 and carries on evaluations under this general performance test for subsequent analysis periods right until the financial institution opts out.
The Board evaluates a military financial institution pursuant towards the relevant efficiency checks described in paragraph (a) of the section.
implies a business, besides a farm, that experienced gross once-a-year revenues for its previous fiscal 12 months of $5 million or fewer.
) Benefits or serves one or more geographic places with lower amounts of community enhancement funding;
A bank should delineate one or more facility-dependent evaluation spots within which the Board evaluates the lender's document of helping to meet the credit needs of its complete Neighborhood pursuant for the efficiency tests and strategic strategy explained in § 228.21.
(5) Knowledge and knowledge furnished by the lender concerning the lender's business technique and solution offerings;
In the course of the expression of a prepare, a financial institution may well ask for the Board to approve an Modification for the system during the absence of a cloth transform in situation.
(B) The housing is located inside a census tract during which the median revenue of renters is minimal- or moderate-income and the median hire won't exceed 30 percent of eighty per cent of the area median income;
(four) The amount and dollar volume of Neighborhood growth loans and Neighborhood advancement investments website claimed as originated or procured inside Each individual facility-centered evaluation space, each State during which the financial institution provides a branch, Each individual multistate MSA where a lender provides a branch in two or even more States of the multistate MSA, and nationwide location outside of these States and multistate MSAs.
(ii) The selection and proportion of originations and programs of aggregate home loan lending of all lenders reporting HMDA information in the power-dependent assessment area and as relevant, the retail lending assessment space; and
스마트폰으로 네이버를 이용하는 것은 이제 일상이 되었습니다. 모바일 웹 브라우저를 통해 네이버를 이용하거나, 네이버 앱을 설치하여 더욱 편리하게 네이버 서비스를 이용할 수 있습니다.