228 loan - An Overview
228 loan - An Overview
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(iii) Any situation further than the control of the lender, including financial situations or other market aspects or activities, that have adversely impacted the bank's capacity to perform.
. Also, When the Board viewed as the home house loan lending of the bank's operations subsidiaries or, at a financial institution's election, the Board considered the home mortgage loan lending of other lender affiliate marketers, the financial institution ought to incorporate in its general public file the names of your functions subsidiaries as well as the names with the affiliate marketers and a prepared detect which the functions subsidiaries' as well as other affiliates' HMDA Disclosure Statements could be acquired at the CFPB's Site.
(i) The retail lending requirements of its facility-based evaluation spots, retail lending evaluation parts, and out of doors retail lending area which can be coated from the plan. A bank that originates or buys loans in an item line evaluated pursuant on the Retail Lending Examination in § 228.
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The Board takes advantage of the ability-primarily based evaluation parts delineated by a bank in its analysis in the lender's CRA performance Except the Board decides that the power-primarily based evaluation places don't comply with the necessities of this area.
The Nationwide Asset-Primarily based Neighborhood Growth Financing Benchmark steps the greenback volume of Group progress loans and Local community advancement investments that advantage or provide all or Section of the nationwide location of all depository institutions that described pursuant to § 228.
The Board's thing to consider on the remote services facility distribution metrics is informed by the next benchmarks:
A bank ought to give in the public area of its most important Business and every of its branches the right public detect established forth in appendix F to this element. Just a department of the bank possessing multiple facility-primarily based assessment space need to include the bracketed content inside the see for department places of work.
(7) Information and facts indicating the credit history demands of the facility-dependent evaluation spot or retail lending evaluation location aren't remaining satisfied by lenders during the mixture, this kind of the pertinent benchmarks will not sufficiently reflect Neighborhood credit desires.
For just a limited goal financial institution that experienced property better than $10 billion as of December 31 in the two on the prior two calendar decades, the Confined Intent Lender Group Development Expenditure Metric actions the dollar quantity of your lender's Local community progress investments that gain or provide all or Section of the nationwide location, excluding house loan-backed securities, compared to the lender's property, calculated pursuant to paragraph III.d of appendix B to this portion.
A considerable lender must collect and report to the Board each year by April 1 a list of Each and every retail lending evaluation region showing the States, MSAs, and counties inside the retail lending evaluation place for the prior calendar calendar year.
For auto loans, the Board compares a financial institution's geographic and borrower distributions on the applicable Local community benchmarks, as provided in paragraph (file) of the area and segment VI of appendix A to this aspect.
(ii) In case the Board, the FDIC, and also the OCC establish that a loan or expense is not suitable for Group advancement thought, the operator of the loan or expenditure at some time from the check here willpower will continue on to acquire Group improvement consideration to the remaining expression or period of the loan or expenditure.