228 loan - An Overview
228 loan - An Overview
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(ii) The entire counties while in the nonmetropolitan region of a State (using the MSA boundaries that were in outcome as of January 1 of the calendar yr in which the delineation applies), excluding:
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If a army lender delineates the entire Usa and its territories as its sole facility-primarily based assessment region pursuant to § 228.sixteen(d), the Board evaluates the bank completely for the institution stage based on its performance in its sole facility-based assessment area.
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The Board considers data supplied by the bank and may consider publicly accessible info and knowledge supplied by authorities or community resources that demonstrates that a Local community progress provider Positive aspects or serves a facility-based mostly evaluation spot, Point out, or multistate MSA, or the nationwide region.
(ii) If a substantial lender is not topic to reporting below 12 CFR portion 1003 resulting from The placement of its branches, but would otherwise satisfy the house Home loan Disclosure Act (HMDA) measurement and lending action necessities pursuant to twelve CFR aspect 1003, the financial institution ought to accumulate and retain, in Digital kind, as prescribed with the Board, until the completion of the financial institution's subsequent CRA examination wherein the information are evaluated, the next facts, for each shut-conclusion household home finance loan loan, excluding multifamily loans, originated or acquired in the course of the analysis period:
(2) The dispersion of the bank's shut-stop home mortgage lending, smaller organization lending, little farm lending, or vehicle lending within a facility-based mostly assessment location to ascertain regardless of whether there are gaps in lending that aren't defined by general performance context;
(ii) Consistent with paragraph (g) of this segment, a bank's strategy may well contain optional analysis components or qualified modifications and additions to your effectiveness exams that may utilize while in the absence of an authorized approach.
The Lender Nationwide Local community Progress Financing Metric steps the dollar quantity in the lender's Local community progress loans and community progress investments that reward or provide all or Element of the nationwide region in comparison to deposits during the financial institution situated in the nationwide space, calculated pursuant to paragraph II.j of appendix B to this portion.
The Board may perhaps alter a constrained function financial institution's institution ranking from “Satisfactory” to “Outstanding” exactly where a bank requests and receives extra thought for providers that might qualify underneath the Local community Improvement Companies Check in § 228.25.
For every of the large lender's facility-centered assessment spots, and as relevant, its retail lending assessment areas, the Board publishes over the Board's Internet site:
(B) The Nationwide Asset-Primarily based Local community Development Financial commitment Benchmark steps the greenback quantity of community growth investments that profit or provide all or Portion of the nationwide place, excluding mortgage loan-backed securities, of all depository establishments that experienced belongings greater than $10 billion as of December 31 in each in the prior two calendar several years, compared to assets for all those depository institutions, calculated pursuant to paragraph III.e of appendix B to this component.
(B) Any counties in which the large financial institution did not originate any closed-conclude dwelling home loan loans or tiny small business loans which have been claimed loans during click here that calendar year.
(3) The bank may not assert community development loans or community improvement investments accounting for a lot more than its share share (according to the level of its participation or expense) of the total loans or investments produced by the consortium or 3rd party.