228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a lender's retail banking products made available inside the bank's facility-based evaluation locations and nationwide, as applicable, for the establishment level as follows:
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The Limited Goal Bank Neighborhood Advancement Funding Metric steps the greenback volume of the financial institution's community enhancement loans and Local community enhancement investments that gain or serve all or Element of the nationwide place as compared to the bank's property calculated pursuant to paragraph III.a of appendix B to this component.
The Board evaluates a substantial lender's file of assisting to meet the credit rating wants of its full Neighborhood in its outside the house retail lending place pursuant to § 228.
(B) The usefulness on the lender's programs for offering retail banking providers and The supply and responsiveness on the lender's retail banking items, pursuant to § 228.23, as applicable;
If an intermediate bank opts to generally be evaluated pursuant for the Community Development Funding Check in § 228.24, the Board evaluates the intermediate financial institution with the evaluation time period preceding the financial institution's next CRA examination pursuant into the Community Growth Funding Test in § 228.24 and continues evaluations pursuant to this functionality exam for subsequent analysis durations till the financial institution opts out.
(e) Information on community progress loans and Neighborhood enhancement investments by a consortium click here or possibly a 3rd party.
(ii) After the financial institution has formulated its Original draft plan, formally solicit public comment on the Preliminary draft prepare for a minimum of 60 days by:
(A) A bank may perhaps specify yearly measurable targets for community progress loans, Neighborhood development investments, or both equally. The financial institution should foundation any annual measurable aims like a share or ratio in the lender's community enhancement loans and Neighborhood enhancement investments for all or specified types of Neighborhood development described in § 228.
The Multistate MSA Group Growth Funding Benchmark actions the greenback volume of Local community development loans and Local community improvement investments that gain or serve a multistate MSA for all substantial depository establishments as compared to deposits located in the multistate MSA for all substantial depository institutions, calculated pursuant to paragraph II.h of appendix B to this portion.
(iii) The bank's history of lending to and, as suitable, engaging in other retail and Neighborhood progress lending-relevant activities for borrowers of various income levels and businesses and farms of different dimensions;
The Board evaluates a confined objective financial institution's Local community development financing general performance within the nationwide spot, pursuant to § 228.19, and assigns a summary for that establishment dependant on the Board's consideration of the following two components: