Not known Details About 228 loan
Not known Details About 228 loan
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The Board testimonials the impression and responsiveness of your lender's Neighborhood advancement loans and Neighborhood improvement investments that advantage or serve a Point out, as provided in § 228.15.
(iii) Any situation over and above the control of the financial institution, like financial disorders or other market place things or functions, which have adversely impacted the financial institution's power to complete.
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Variables deemed in evaluating the influence and responsiveness of a financial institution's Local community enhancement loans, Local community development investments, and Local community progress services involve, but are not restricted to, whether or not the Local community growth loan, Neighborhood advancement expenditure, or community progress assistance:
(ix) An indicator for if the loan was to a business or farm with gross annual revenues greater than $1 million; and
(one) Establishes the framework and requirements by which the Board assesses a financial institution's file of responding on the credit requires of its full community, which includes very low- and reasonable-money neighborhoods, per the Safe and sound and seem Procedure in the lender; and
implies a bank's loans in one of the following, different groups in a selected Retail Lending Exam Region:
) A bank may possibly use website option weights for combining the borrower and geographic distribution analyses for big item line(s) or other loan goods.
(e) Information on Local community growth loans and Local community progress investments by a consortium or even a third party.
usually means a closed-end home house loan loan or an open-conclude dwelling mortgage loan loan as these terms are defined During this portion.
Affiliated depository establishments supervised by a similar Federal financial supervisory agency may perhaps put together a joint approach, presented that the plan includes, for every lender, the applicable overall performance exams that will apply from the absence of the authorized strategy.
(four) The amount and dollar volume of community enhancement loans and Neighborhood enhancement investments reported as originated or ordered inside of Just about every facility-centered assessment area, Every single State during which the bank has a department, Each individual multistate MSA during which a financial institution incorporates a department in two or even more States on the multistate MSA, and nationwide location beyond these States and multistate MSAs.
(i) Impedes its capability to perform at a satisfactory stage underneath the program, for instance financial constraints brought on by substantial occasions that impression the nearby or nationwide economic climate; or
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