228 loan Options
228 loan Options
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(1) Details indicating that a lender obtained shut-end residence property finance loan loans, modest small business loans, little farm loans, or car loans for the sole or Major reason of inappropriately boosting its retail lending functionality, such as, although not limited to, information indicating subsequent resale of such loans or any indication that these types of loans have already been regarded in various depository establishments' CRA evaluations, through which case the Board won't look at this kind of loans while in the financial institution's overall performance evaluation;
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The inclusion of the affiliate's loans, investments, expert services, and products inside of a financial institution's program, or in a very joint prepare of affiliated depository institutions, is issue to the next:
The Board evaluates a lender's community enhancement products and services overall performance in a facility-based assessment region and assigns a summary to get a facility-primarily based assessment region, by taking into consideration one or more of the following:
The Board may perhaps modify a small financial institution score from “Satisfactory” to “Outstanding” on the institution stage where by the lender requests and gets additional consideration for the following routines, with no regard to if the action is in one or more in the bank's facility-based mostly assessment places, as applicable:
The CRA and this part will not require a financial institution to originate or buy loans or investments or to deliver providers which are inconsistent with Safe and sound and sound banking procedures, such as underwriting criteria.
) A financial institution may perhaps use alternative weights for combining the borrower and geographic distribution analyses for main products line(s) or other loan products.
The Board evaluates a lender's Neighborhood enhancement companies efficiency inside a Point out or multistate MSA, as relevant, or nationwide location, and assigns a summary for those regions, according to the next two factors:
The lender ought to post its draft plan to the Board at the very least 90 times before the proposed efficient day on the program. The lender must also post with its draft strategy:
The Board evaluates an intermediate bank's document of helping to meet the credit requires of its entire Group pursuant to your Retail Lending Take a look at in § 228.
The Board evaluates The supply and usage of the lender's deposit solutions aware of the wants of very low- and moderate-money people today, households, or households as follows:
(one) All penned feedback acquired from the general public for The existing calendar year (updated on a quarterly basis for the prior quarter by March 31, June thirty, September thirty, and December 31) and every from the prior two calendar several years that precisely relate towards the bank's functionality in assisting to satisfy Neighborhood credit score wants, and any response for the responses because of the lender, if neither the reviews nor the responses consist of statements that read more mirror adversely on The great name or track record of any persons other than the lender or publication of which might violate certain provisions of law;
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