The 2-Minute Rule for 228 loan
The 2-Minute Rule for 228 loan
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The Board evaluates a small bank's report of helping to meet up with the credit requirements of its whole Group pursuant for the Small Financial institution Lending Examination as provided in paragraph (a)(two) of the section, Unless of course the tiny financial institution opts to generally be evaluated pursuant to your Retail Lending Test in § 228.22.
The Board considers Group progress loans and Group enhancement investments allocated pursuant to paragraph I.b of appendix B to this section.
) The volume of checking and cost savings accounts opened digitally and through other shipping and delivery systems by census tract income stage for every calendar calendar year; and
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The Board considers the use of a bank's deposit solutions responsive to the desires of minimal- and moderate-earnings people today, family members, or households based on the next info:
The Board considers the department availability and companies delivered at branches of financial institutions that work one or more branches pursuant to paragraph (b)(2) of the segment.
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) A lender could use different weights for combining the borrower and geographic distribution analyses for important solution line(s) or other loan solutions.
(3) The selection and dollar quantity of little business enterprise loans and tiny farm loans Situated inside of Every single facility-based evaluation region and retail lending evaluation location claimed through the lender along with the selection and dollar volume of smaller company loans and smaller farm loans Found outside of the facility-based mostly evaluation areas and retail lending assessment places described via the bank; and
The bank allocates the deposits for which a deposit location is not really accessible to the nationwide spot. Annual deposits should be calculated based on ordinary each day balances as presented in statements for example month-to-month or quarterly statements. Any other financial institution that opts to collect and retain the data During this paragraph (a)(7) must do this in the identical form and for the same period as described During this paragraph (a)(7).
) The volume of checking and price savings accounts opened digitally and thru other shipping and delivery systems which might be active at the end of each calendar yr by census tract income stage for each calendar 12 months.
Apart from as otherwise offered In this particular part, a lender ought to ensure that its general public file contains the data expected by this part for each from the prior a few calendar years, with The newest calendar calendar year A part of its file on a yearly basis by April one of the present calendar yr.
(ii) The Board considers an intermediate financial institution's community enhancement loans, Neighborhood development investments, and Local community improvement products and services devoid of regard to whether the exercise is created in a number of from the financial institution's facility-based evaluation areas. The extent on the Board's thing to get more info consider of Neighborhood enhancement loans, community progress investments, and community advancement products and services outside of the financial institution's facility-dependent evaluation locations will depend upon the adequacy of your bank's responsiveness to community advancement desires and alternatives within the bank's facility-based mostly evaluation spots and relevant efficiency context facts.
Pursuant to § 228.21, the Neighborhood Enhancement Financing Test for Confined Goal Banks evaluates a minimal goal lender's document of assisting to meet the credit rating requirements of its full Neighborhood as a result of Neighborhood enhancement loans and Neighborhood progress investments (