228 loan - An Overview
228 loan - An Overview
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The Board evaluates a bank's branch availability and products and services inside a facility-dependent evaluation space based upon the subsequent:
네이버를 자주 이용한다면, 북마크 기능을 활용하여 손쉽게 접근할 수 있습니다. 웹 브라우저의 북마크 기능을 통해 네이버 페이지를 등록하면, 다음부터는 북마크 목록에서 바로 네이버에 접속할 수 있습니다.
(A) Submitting the initial draft prepare for publication to the Board's Web page and by publishing the Preliminary draft strategy on the lender's Internet site, In case the bank maintains 1; and
(i) Why the financial institution's organization product is exterior the scope of, or inconsistent with, one or more areas of the overall performance checks that will implement in the absence of an approved prepare;
(ii) Inside the prior two calendar years, the financial institution originated or purchased exterior the lender's facility-based mostly evaluation locations much more than 50 % of your bank's household mortgage loan loans, multifamily loans, small organization loans, small farm loans, and car loans if vehicle loans are a product line for that financial institution, as described in paragraph II.a.2 of appendix A to this aspect.
A financial institution ought to make accessible to the general public for inspection, on ask for and at no cost, the information essential During this section as follows:
(2) If your individuals or traders opt to allocate Group advancement loans or Local community enhancement investments amid by themselves for thing to consider under this segment, no participant or investor may possibly declare a loan origination, loan acquire, or expense for Neighborhood growth thought if A different participant or Trader statements precisely the same loan origination, loan invest in, or expenditure; and
A bank or discounts Affiliation's record of efficiency would be the foundation for denying or conditioning acceptance of the software mentioned in paragraph (a) of the section.
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(A) A bank may perhaps specify yearly measurable goals for Group growth loans, community progress investments, or equally. The financial institution ought to base any yearly measurable objectives as being a share or ratio of the lender's Group progress loans and Neighborhood development investments for all or selected forms of Group advancement explained in § 228.
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Assignments to revitalize or stabilize a specific census tract that come with more info both of those professional and household parts qualify as revitalization or stabilization things to do less than this paragraph (e)(two), if:
Pursuant to § 228.21, the Retail Lending Check evaluates a lender's record of helping to fulfill the credit score wants of its total community throughout the lender's origination and buy of household mortgage loans, multifamily loans, smaller organization loans, and little farm loans.