228 loan Options
228 loan Options
Blog Article
질문과 답변을 제공하는 서비스입니다. 궁금한 점이 있다면 지식인에서 검색해 보세요.
(two) A retail lending assessment spot might not increase over and above a Condition boundary Until the retail lending evaluation region is made up of counties within a multistate MSA.
스마트폰에서 네이버 앱 을 설치하면 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버의 다양한 서비스를 앱에서 바로 이용할 수 있습니다. 구글 플레이 스토어 또는 앱 스토어에서 "네이버"를 검색하여 앱을 설치하세요.
Should the Board gets a community remark prior to the near date of the financial institution's CRA evaluation, the public remark are going to be viewed as in reference to that CRA evaluation.
A financial institution matter to data reporting demands pursuant to § 228.forty two ought to consist of in its general public file a composed see that the CRA Disclosure Statement pertaining to your bank, its operations subsidiaries, and its other affiliates, if applicable, could possibly be attained on the FFIEC's Internet site at:
To build supporting conclusions for borrower distributions of shut-finish property mortgage loan loans, compact enterprise loans, and modest farm loans, the Board evaluates the financial institution's overall performance by comparing the Borrower Financial institution Metric to performance ranges, determined by the Borrower Sector Benchmark, Borrower Community Benchmark, and multipliers, as explained in paragraphs V.d and V.e of appendix A to this section.
Before submitting a draft decide to the Board for approval pursuant to paragraph (h) of this portion, a financial institution will have to:
) A bank may well use alternate weights for combining the borrower and geographic distribution analyses for major merchandise line(s) or other loan products and solutions.
The Financial institution Nationwide Community Progress Funding Metric measures the dollar quantity on the bank's community enhancement loans and Group development investments that benefit or provide all or Element of the nationwide area in comparison with deposits inside the lender situated in the nationwide spot, calculated pursuant to paragraph II.j of appendix B to this element.
Within a facility-primarily based assessment place or outside the house retail lending location, a product line is A serious merchandise line In case the financial institution's loans in that product line comprise 15 per cent or more of your financial institution's loans across the entire bank's products lines in the ability-primarily based evaluation place or outside retail lending region, as established pursuant to paragraph II.b.one of appendix A to this element.
The Board evaluates the file of an intermediate bank, or a little financial institution that opts for being evaluated under the Retail Lending Test, of assisting to meet up with the credit requires of its overall Neighborhood in its outdoors retail lending region pursuant to § 228.22, for a selected calendar yr, if:
(three) The volume of lenders whose home mortgage loan loans, multifamily loans, tiny enterprise loans, and tiny farm loans and deposits info are utilized to determine the applicable Retail Lending Volume Threshold, geographic distribution market benchmarks, and borrower distribution market benchmarks;
Notwithstanding the requirements of this section, a armed forces financial institution whose prospects are usually not located within just a defined geographic area may well delineate the entire United States and its territories as its sole facility-based mostly assessment region.
A lender that's been accredited to get evaluated below a strategic strategy should include in its community file a copy of that plan when it truly is in impact. A lender need more info not include facts submitted on the Board on a confidential foundation along with the plan.