The best Side of 228 loan
The best Side of 228 loan
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The Board considers Local community progress loans and Local community growth investments allotted pursuant to paragraph I.b of appendix B to this portion.
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(i) The quantity and percentage of originations and applications of the big bank's property mortgage loans by borrower or applicant money degree, race, and ethnicity;
The Board opinions the affect and responsiveness of the financial institution's Neighborhood development loans and community development investments that benefit or provide a facility-dependent assessment region, as furnished in § 228.fifteen.
A lender issue to this section may possibly ask for the Board affirm that a loan, investment, or assistance is qualified for community development consideration by publishing a ask for to, As well as in a structure prescribed by, the Board.
The Board's consideration in the branch distribution metrics is knowledgeable by the next benchmarks:
If an intermediate lender opts to become evaluated pursuant to your Community Progress Funding Examination in § 228.24, the Board evaluates the intermediate lender for the analysis time period previous the financial institution's next CRA evaluation pursuant to your Community Advancement Funding Test in § 228.24 and continues evaluations pursuant to this effectiveness take a look at for subsequent analysis durations until finally the financial institution opts out.
The Board critiques the effects and responsiveness with the bank's Group progress loans and community enhancement investments that gain or serve a multistate MSA, as delivered in § 228.15.
(ii) Once the financial institution has designed its First draft plan, formally solicit community touch upon the Original draft strategy for at least sixty days by:
(A) For every of the bank's facility-based mostly assessment regions within just an MSA, the MSA Nationwide Group Development Funding Benchmark measures the greenback quantity of Local community enhancement loans and Group enhancement investments that benefit or provide MSAs in the nationwide area for all big depository institutions when compared to deposits located in the MSAs in the nationwide area for all big depository establishments.
Any facility-based evaluation location, retail lending evaluation spot, outside retail lending space, or other geographic spot that will be evaluated in the absence of an authorized prepare, but just isn't A part of an authorized system, is going to be evaluated pursuant towards the effectiveness checks that may use inside the absence of the approved program.
(B) A more info substantial lender may possibly modify the Retail Services and Merchandise Test by eliminating a ingredient of the examination.
(ii) In case the Board, the FDIC, and the OCC establish that a loan or investment is not qualified for Local community development consideration, the proprietor on the loan or financial investment at the time in the perseverance will go on to acquire Group development consideration for the remaining term or duration of the loan or investment.