228 loan - An Overview
228 loan - An Overview
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signifies any organization that controls, is managed by, or is below common Regulate with One more business. The expression “Manage” has the this means provided to that time period in 12 U.
Pursuant to § 228.28 and appendix C to this element, the Board assigns conclusions for any bank's Retail Solutions and Items Check general performance in Each individual facility-dependent evaluation space, Condition and multistate MSA, as relevant, and to the establishment.
indicates the performance of volunteer providers by a bank's or its affiliate's board associates or workforce, executed on behalf from the lender, exactly where Individuals services:
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(D) A lender other than a significant financial institution may well involve retail banking companies or retail banking goods component(s) and accompanying once-a-year measurable targets in its program.
(ii) Why an evaluation with the bank pursuant to any aspect of a approach in paragraph (d)(one) of this area would much more meaningfully reflect a bank's document of helping to meet up with the credit score requires of its community than if it ended up evaluated under the effectiveness tests that might implement in the absence of the authorised strategy; and
(six) A lender's closed-conclusion house home finance loan lending, tiny enterprise lending, small farm lending, or car lending in distressed or underserved nonmetropolitan middle-cash flow census tracts where a lender's nonmetropolitan facility-primarily based evaluation spot or nonmetropolitan retail lending assessment spot involves hardly any or no low- and average-money census tracts; and
The Board reviews the impression and responsiveness of the lender's Local community advancement loans and Neighborhood enhancement investments that advantage or provide the nationwide spot, as provided in § 228.fifteen.
(3) The here quantity and greenback quantity of tiny company loans and compact farm loans Situated within Every facility-centered assessment spot and retail lending evaluation space noted because of the bank along with the selection and dollar volume of modest business loans and tiny farm loans Positioned beyond the power-primarily based assessment regions and retail lending evaluation spots noted through the financial institution; and
The Board weights the bank's effectiveness score for that functionality checks applicable to a considerable bank as follows:
A small lender, or simply a bank which was a small bank in the prior calendar 12 months, need to include in its community file the lender's loan-to-deposit ratio for every quarter from the prior calendar 12 months and, at its possibility, further facts on its loan-to-deposit ratio.
) The number of checking and personal savings accounts opened digitally and thru other delivery programs by census tract profits amount for every calendar calendar year; and
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