228 loan - An Overview
228 loan - An Overview
Blog Article
The Board or its appointed agent, prepares annually, for each MSA or metropolitan division (which includes an MSA or metropolitan division that crosses a State boundary) and the nonmetropolitan percentage of Just about every Condition, an aggregate disclosure assertion of documented little enterprise lending, tiny farm lending, community enhancement lending, and Local community advancement investments by all depository establishments topic to reporting below this component or twelve CFR portion twenty five or 345.
(E) Allocation in the dollar degree of the community advancement loan or Neighborhood growth expense to geographic regions served because of the loan or investment:
(i) The choice of retail banking products and services and retail banking products provided through electronic supply techniques and other supply units;
Factors thought of in evaluating the influence and responsiveness of a financial institution's community growth loans, community enhancement investments, and Local community growth services contain, but usually are not restricted to, whether or not the Group improvement loan, Group improvement investment decision, or Neighborhood development company:
The Board assessments the effect and responsiveness of the lender's Group progress loans and community enhancement investments that reward or serve a facility-based evaluation area, as offered in § 228.fifteen.
(A) Brings together the performance scores for every supporting summary for every big product or service line into a product line rating; and
The Nationwide Asset-Centered Local community Growth Financing Benchmark steps the dollar volume of community enhancement loans and Local community advancement investments that advantage or provide all or Section of the nationwide region of all depository establishments that documented pursuant to § 228.
) Added benefits or serves a number of geographic areas with lower amounts of community growth funding;
The Board seeks to act on a draft system in 90 calendar days once the Board receives the whole draft program along with other components required pursuant to paragraph (file) of the segment.
The Board evaluates the availability and responsiveness of a bank's electronic supply devices and other delivery methods, such as to minimal- and moderate-earnings people, families, or homes with the institution amount by considering:
) The amount of examining and discounts accounts opened digitally and through other supply programs which are Energetic at the conclusion of each calendar 12 months by census tract cash flow stage for every calendar yr.
The surface retail lending place is comprised of ingredient geographic locations. A element 228 loan geographic place is any MSA or maybe the nonmetropolitan area of any State, or portion thereof, provided inside of the surface retail lending space.
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