228 loan - An Overview
228 loan - An Overview
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For every census tract where the financial institution originated or obtained a small business enterprise loan or tiny farm loan, the financial institution should report the aggregate variety and dollar quantity of tiny small business loans and smaller farm loans:
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The Board evaluates a constrained purpose bank's community progress funding performance in Every single State or multistate MSA, as applicable pursuant to §§ 228.
The Board may possibly consider a financial institution's Local community progress loans, Group growth investments, and Group development solutions provided outside of its facility-based mostly evaluation spots, as furnished During this component.
A financial institution that received a fewer than “Satisfactory” institution score during its most recent assessment will have to contain in its community file an outline of its latest efforts to enhance its overall performance in helping to satisfy the credit desires of its overall Group.
) A Local community progress loan originated or procured, or perhaps a community advancement investment decision created, which includes a legally binding dedication to increase credit rating or possibly a lawfully binding commitment to take a position, while in the calendar 12 months, as described in paragraph I.a.1.i of appendix B to this component;
The Nationwide Asset-Dependent Group Improvement Funding Benchmark actions the greenback volume of Neighborhood improvement loans and community progress investments that gain or serve all or A part of the nationwide area of all depository institutions that claimed pursuant to § 228.
If an intermediate bank opts to generally be evaluated pursuant on the Community Growth Financing Test in § 228.24, the Board evaluates the intermediate bank to the evaluation interval preceding the bank's upcoming CRA assessment pursuant for the Local community Growth Funding Examination in § 228.24 and continues evaluations pursuant to this performance check for subsequent analysis durations right up until the lender opts out.
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Pursuant to § 228.28 and paragraph file of appendix D to this component, the Board incorporates the conclusions of the bank evaluated beneath an permitted prepare into its 228 loan State or multistate MSA ratings, as applicable, and its establishment score, accounting for paragraph g.2 of appendix D to this element, as relevant.
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(x) An indicator for whether the loan was to a company or farm for which gross once-a-year revenues usually are not acknowledged because of the financial institution.
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A large lender ought to gather and maintain in Digital sort, as prescribed with the Board, until eventually completion on the bank's future CRA evaluation in which the information are evaluated, the following facts with regard to retail banking expert services and retail banking merchandise offered and supplied by the bank all through Every single calendar year: