228 loan - An Overview
228 loan - An Overview
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(ii) The entire counties inside the nonmetropolitan space of a Condition (utilizing the MSA boundaries that were in influence as of January 1 of your calendar yr through which the delineation applies), excluding:
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The Board considers the usage of the financial institution's deposit merchandise attentive to the wants of reduced- and moderate-income people today, family members, or households dependant on the next data:
) A Group advancement loan originated or bought, or even a community development expense produced, including a lawfully binding dedication to increase credit score or a lawfully binding commitment to take a position, within the calendar calendar year, as described in paragraph I.a.one.i of appendix B to this portion;
(four) Missing or faulty information that may be required to determine the relevant metrics and benchmarks or another components that protect against the Board from calculating a Retail Lending Examination recommended summary.
) Gains or serves one or more geographic spots with reduced levels of Local community advancement funding;
usually means the time period, commonly in calendar many years, through which a lender performed the pursuits which the Board evaluates inside of a CRA examination, in accordance Together with the Board's guidelines and processes.
(7) Information and facts indicating which the credit score requires of the facility-based assessment place or retail lending assessment location are certainly not staying met by lenders from the aggregate, such the pertinent benchmarks will not adequately reflect Group credit rating demands.
(B) A lender besides a large financial institution may perhaps involve a Neighborhood progress products and services part and accompanying annual measurable plans in its prepare.
implies a loan, together with a legally binding dedication to extend credit rating, for instance a standby letter of credit, that supports community growth, as explained in § 228.thirteen. A Neighborhood progress loan doesn't incorporate any home mortgage loan loan viewed as underneath the Retail Lending Exam in § 228.
(iii) A bank that features added efficiency evaluation parts with accompanying once-a-year measurable ambitions in its click here strategy will have to specify the geographic regions in which those parts and objectives utilize.
(x) An indicator for if the loan was to a business or farm for which gross annual revenues aren't recognized from the financial institution.