228 loan No Further a Mystery
228 loan No Further a Mystery
Blog Article
The Board opinions the affect and responsiveness from the financial institution's Neighborhood advancement loans and Group advancement investments that reward or serve a State, as supplied in § 228.fifteen.
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(ix) An indicator for if the loan was to a business or farm with gross annual revenues increased than $one million; and
(iii) A list showing Just about every census tract during which the lender claimed a small organization loan or a small farm loan;
(two) The dispersion of the financial institution's closed-finish house home finance loan lending, smaller small business lending, small farm lending, or automobile lending within a facility-centered assessment spot to find out no matter whether you will discover gaps in lending that are not discussed by efficiency context;
(ii) Any county within a nonmetropolitan area in which the lender did not originate or order any closed-finish residence mortgage loans, small business loans, small farm loans, or auto loans if car loans are an item line for your bank.
The Board evaluates a bank's Group enhancement providers efficiency inside a Condition or multistate MSA, as applicable, or nationwide region, and assigns a summary for those parts, depending on the next two factors:
) of the area, a bank could present distinctive weights for averaging with each other the general performance across these loan goods and will incorporate All those loan products and solutions within the numerator in more info the Financial institution Volume Metric.
Affiliated depository institutions supervised by exactly the same Federal money supervisory company may well put together a joint program, offered which the system includes, for every bank, the relevant effectiveness assessments that may utilize from the absence of an authorised prepare.
For residence mortgage loans, the financial institution must determine the house house loan loans noted by its functions subsidiary beneath twelve CFR aspect 1003, if relevant, or acquire and sustain information on house mortgage loans by its functions subsidiary that the financial institution would've collected and managed pursuant to paragraph (a)(3) of the part had the lender originated or acquired the loans.
A bank need to maintain a general public file, in either paper or digital format, that features the subsequent details:
(four) In case the lender did not revise the First draft strategy in response to tips or worries from public enter obtained, a proof for why any recommendation or issue wasn't addressed while in the draft plan.