Not known Details About 228 loan
Not known Details About 228 loan
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(one) Data indicating that a lender acquired shut-finish household home finance loan loans, little business enterprise loans, smaller farm loans, or car loans for the only or Principal function of inappropriately maximizing its retail lending effectiveness, which include, but not restricted to, information and facts indicating subsequent resale of these loans or any indicator that these types of loans have been regarded in many depository establishments' CRA evaluations, wherein situation the Board won't take into consideration these kinds of loans in the lender's effectiveness analysis;
(E) The financial institution fails to deliver data asked for from the Board that is necessary for the Board to produce an informed selection.
If a military services bank delineates your entire United states of america and its territories as its sole facility-primarily based assessment place pursuant to § 228.sixteen(d), the Board evaluates the lender solely with the institution amount based on its functionality in its sole facility-based mostly evaluation area.
Variables deemed in assessing the affect and responsiveness of a bank's community development loans, community growth investments, and Group growth solutions involve, but are not restricted to, whether or not the Local community growth loan, Local community development investment decision, or Local community progress company:
A lender subject to facts reporting demands pursuant to § 228.forty two should contain in its community file a written observe that the CRA Disclosure Statement pertaining for the financial institution, its functions subsidiaries, and its other affiliate marketers, if applicable, could possibly be obtained within the FFIEC's Web-site at:
The Board may well change a little bank rating from “Satisfactory” to “Remarkable” on the institution amount exactly where the lender requests and receives additional thing to consider for the following routines, with no regard to if the exercise is in check here one or more from the bank's facility-dependent evaluation places, as relevant:
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(ii) Consistent with paragraph (g) of the section, a lender's system might involve optional evaluation elements or qualified modifications and additions to the general performance tests that could utilize within the absence of the authorized strategy.
The minimal intent bank's community growth financing overall performance in all of its facility-primarily based assessment places; and
Pursuant to § 228.28 and paragraph file of appendix D to this element, the Board incorporates the conclusions of the bank evaluated beneath an authorized system into its State or multistate MSA rankings, as relevant, and its establishment rating, accounting for paragraph g.2 of appendix D to this component, as applicable.
An intermediate bank or a small bank for which car loans are a product line may possibly obtain and maintain within a format with the lender's picking, together with within an electronic kind prescribed because of the Board, right up until the completion of your bank's up coming CRA assessment during which the information are evaluated, the info explained in paragraphs (a)(two)(iii)(A) through (F) of the segment for every auto loan originated or ordered from the financial institution during the evaluation interval.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(2) A home mortgage loan loan or possibly a multifamily loan is found while in the census tract the place the residence securing the loan is found; and
(ii) If the Board, the FDIC, plus the OCC decide that a loan or financial investment is not qualified for community growth thing to consider, the owner on the loan or investment at time with the determination will keep on to acquire Group advancement thing to consider with the remaining term or period of the loan or investment decision.