228 loan - An Overview
228 loan - An Overview
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The Board evaluates a little financial institution's history of assisting to fulfill the credit rating needs of its whole Neighborhood pursuant into the Smaller Financial institution Lending Take a look at as supplied in paragraph (a)(two) of the portion, Except if the compact lender opts to become evaluated pursuant on the Retail Lending Exam in § 228.22.
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(ii) If a large lender is no more necessary to delineate a retail lending assessment area Beforehand recognized within the plan due to not meeting the demanded retail lending assessment area thresholds pursuant to § 228.
To create supporting conclusions for geographic distributions of closed-finish home home loan loans, compact small business loans, and tiny farm loans, the Board evaluates the lender's general performance by comparing the Geographic Lender Metric to efficiency ranges, according to the Geographic Current market Benchmark, the Geographic Community Benchmark, and multipliers, as described in paragraphs V.b and V.c of appendix A to this aspect.
(4) Are supplied to persons at a office in which many workforce are low- or average-income, based on U.S. Bureau of Labor Statistics data for the standard wage for workers in that exact occupation or industry;
A bank topic to this component may possibly request the Board verify that a loan, investment, or assistance is suitable for Neighborhood development thought by submitting a ask for to, and in a structure prescribed by, the Board.
Pursuant to § 228.28 and appendix D to this part, the Board incorporates a financial institution's Retail Lending Test conclusions into its State or multistate 228 loan MSA scores, as relevant, and its establishment score.
(one) Revitalization or stabilization, vital Local community facilities, critical Local community infrastructure, and disaster preparedness and temperature resiliency actions in Indigenous Land Places are pursuits precisely specific to and performed in Indigenous Land Locations.
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The Board assigns conclusions with the performance of the financial institution running under a strategic prepare pursuant to § 228.
(B) Why it's important and ideal to amend its strategy in the absence of a cloth improve in circumstances.
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has precisely the same which means as that term is outlined through the Director from the Office of Administration and Price range.