The best Side of 228 loan
A restricted function financial institution's community growth funding functionality in its facility-based evaluation regions within the State or multistate MSA; and(two) A retail lending assessment area might not lengthen over and above a Point out boundary Unless of course the retail lending assessment space includes counties in the multistate MSA.
indicates, notwithstanding the definition of “compact farm” With this section, a loan included in “loans to tiny farms” as described in Agenda RC-C of the decision Report.
An intermediate financial institution or a small lender for which auto loans are a product line might gather and maintain within a format in the financial institution's deciding on, which include in an electronic type prescribed by the Board, until eventually the completion with the bank's up coming CRA assessment by which the information are evaluated, the information explained in paragraphs (a)(two)(iii)(A) via (File) of the part for every auto loan originated or purchased from the financial institution during the evaluation period.
The Board evaluates a armed forces bank pursuant towards the relevant efficiency exams explained in paragraph (a) of this part.
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For every of a bank's facility-based mostly assessment places, the Assessment Space Neighborhood Advancement Financing Benchmark actions the dollar quantity of Group enhancement loans and community growth investments that benefit or provide the power-based assessment space for all substantial depository establishments in comparison to deposits situated in the more info facility-primarily based assessment spot for all big depository establishments, calculated pursuant to paragraph II.b of appendix B to this aspect.
) A lender could use substitute weights for combining the borrower and geographic distribution analyses for important product line(s) or other loan items.
) The outstanding equilibrium of a community progress loan originated, acquired, refinanced, or renewed in prior yrs or community progress expenditure designed or renewed in former a long time, as of December 31 for each year the loan or financial investment remains to the lender's stability sheet; or
Within a facility-based evaluation area or outdoors retail lending area, a product line is a major product or service line In the event the financial institution's loans in that product line comprise fifteen % or more on the financial institution's loans throughout every one of the lender's merchandise traces in the ability-based mostly evaluation space or outside the house retail lending spot, as established pursuant to paragraph II.b.1 of appendix A to this element.
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(four) The selection and greenback volume of Group progress loans and community progress investments documented as originated or bought inside of Every facility-centered assessment area, Just about every Condition wherein the bank incorporates a department, Each and every multistate MSA wherein a financial institution has a branch in two or maybe more States from the multistate MSA, and nationwide spot beyond these States and multistate MSAs.
Loans by a lender straight to companies or farms, which includes, but not limited to, loans in conjunction or syndicated having a U.
A big financial institution ought to gather and maintain in electronic form, as prescribed from the Board, right until completion of your bank's upcoming CRA assessment wherein the info are evaluated, the subsequent facts with respect to retail banking solutions and retail banking products and solutions available and supplied by the lender during Each individual calendar calendar year: