5 Simple Techniques For 228 loan
5 Simple Techniques For 228 loan
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(B) The Board evaluates the little lender for that evaluation interval preceding the bank's next CRA assessment pursuant into the Retail Lending Examination in § 228.22 and continues evaluations under this general performance check for subsequent analysis intervals until eventually the bank opts out.
usually means, notwithstanding the definition of “tiny company” During this area, a loan included in “loans to small corporations” as noted in Agenda RC-C of the decision Report.
(i) A bank might integrate overall performance evaluation elements and accompanying once-a-year measurable ambitions For extra geographic areas but might not get rid of the evaluation of its performance in any geographic area that will be included in its general performance evaluation in the absence of an authorized approach.
(two) The dispersion of the lender's shut-stop property mortgage lending, smaller enterprise lending, modest farm lending, or vehicle lending in a facility-centered evaluation spot to find out no matter if you will find gaps in lending that are not described by functionality context;
(ii) Consistent with paragraph (g) of the area, a lender's plan may contain optional analysis elements or qualified modifications and additions into the functionality checks that would utilize within the absence of the authorized system.
implies the period of time, frequently in calendar decades, through which a financial institution executed the functions that the Board evaluates in the CRA examination, in accordance Along with the Board's rules and processes.
) of this area, The proportion of responsive deposit accounts when compared to overall deposit accounts for each and every year of the evaluation period.
A small financial institution, or possibly a lender which was a little financial institution during the prior calendar calendar year, have to contain in its general public file the lender's loan-to-deposit ratio for every quarter with the prior calendar calendar year and, at its option, added details on its loan-to-deposit ratio.
means a loan, like a lawfully binding determination to increase credit history, such as a standby letter of credit score, that supports Local community enhancement, as explained in § 228.thirteen. A Neighborhood development loan doesn't incorporate any dwelling home loan loan regarded as underneath the Retail Lending Test in § 228.
For each significant item line, a Borrower Group Benchmark, calculated check here pursuant to paragraph IV.c of appendix A to this portion for facility-based assessment areas and retail lending assessment spots, and paragraph IV.e of appendix A to this element for outdoor retail lending places.
indicates a channel through which banking companies supply retail banking products and services electronically, including on the web banking or cellular banking.