228 loan No Further a Mystery
228 loan No Further a Mystery
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(one) Information indicating that a bank purchased shut-finish property mortgage loans, little business loans, little farm loans, or auto loans for the only or primary goal of inappropriately maximizing its retail lending efficiency, including, but not restricted to, facts indicating subsequent resale of this kind of loans or any sign that this sort of loans have already been viewed as in numerous depository institutions' CRA evaluations, during which circumstance the Board doesn't take into consideration these kinds of loans during the lender's effectiveness analysis;
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If a armed forces lender delineates your complete U . s . and its territories as its sole facility-based assessment area pursuant to § 228.sixteen(d), the Board evaluates the financial institution solely with the institution amount determined by its performance in its sole facility-dependent evaluation space.
(B) Other than as supplied in § 228.fifty one(e), a big lender using a put together total of 10 or even more facility-based mostly assessment parts and retail lending evaluation places in any Condition or multistate MSA, as relevant, or with the establishment may well not get a ranking of “Satisfactory” or “Exceptional” in that Condition or multistate MSA, as applicable, or to the institution, Until the bank receives an All round conclusion of not less than “Low Satisfactory” in 60 % or more of the whole amount of its facility-centered evaluation spots and retail lending evaluation spots in that State or multistate MSA, as relevant, or with the establishment.
) Distinct specifics of the greenback volume of the Group growth loan or Neighborhood progress expenditure which was allotted to every county served from the loan or investment decision, if available.
(one) Establishes the framework and requirements by which the Board assesses a lender's history of responding click here into the credit score demands of its entire Neighborhood, including lower- and average-cash flow neighborhoods, in line with the Protected and seem Procedure of the bank; and
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The Board's consideration of your remote company facility distribution metrics is knowledgeable by the following benchmarks:
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(A) For every of a lender's facility-centered assessment regions in just an MSA, the MSA Nationwide Local community Enhancement Financing Benchmark steps the dollar volume of community improvement loans and community growth investments that profit or provide MSAs within the nationwide spot for all substantial depository establishments compared to deposits situated in the MSAs during the nationwide space for all substantial depository institutions.
indicates a loan, together with a legally binding dedication to increase credit, like a standby letter of credit, that supports Neighborhood enhancement, as described in § 228.13. A community development loan would not incorporate any home home finance loan loan regarded as under the Retail Lending Examination in § 228.
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