228 loan - An Overview
228 loan - An Overview
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The Board or its appointed agent, prepares every year, for each MSA or metropolitan division (like an MSA or metropolitan division that crosses a Condition boundary) as well as the nonmetropolitan portion of Every single State, an combination disclosure assertion of noted compact enterprise lending, tiny farm lending, Neighborhood improvement lending, and Local community advancement investments by all depository establishments issue to reporting under this part or 12 CFR portion 25 or 345.
(6) A map of every facility-dependent assessment location and, as relevant, each retail lending evaluation spot displaying the boundaries of the region and identifying the census tracts contained in the region, possibly around the map or within a individual record; and
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The Board could take into consideration a lender's Group improvement loans, community progress investments, and community growth expert services offered beyond its facility-based assessment spots, as delivered On this part.
(iii) A inhabitants lack of 10 percent or more concerning the preceding and newest decennial census or perhaps a net population loss of five p.c or even more around the 5-12 months interval preceding the most recent census.
(ii) Why an evaluation on the lender pursuant to any element of a prepare in paragraph (d)(one) of this section would far more meaningfully replicate a financial institution's document of helping to meet up with the credit rating requires of its Group than if it read more had been evaluated beneath the performance exams that could utilize inside the absence of an authorized strategy; and
(4) Missing or faulty knowledge that would be required to determine the suitable metrics and benchmarks or any other things that prevent the Board from calculating a Retail Lending Take a look at recommended conclusion.
(three) A little small business loan or tiny farm loan is situated within the census tract in which the main organization facility or farm is situated or where the borrower will in any other case utilize the loan proceeds, as indicated by the borrower.
The Board assessments the effects and responsiveness of the bank's Group advancement loans and Neighborhood enhancement investments that gain or serve a multistate MSA, as provided in § 228.15.
(five) Whether the Retail Lending Check advised conclusion would not accurately replicate the lender's general performance in a very Retail Lending Examination Area wherein one or more on the lender's major products traces is made of fewer than 30 loans;
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(2) A house home loan loan or possibly a multifamily loan is found inside the census tract exactly where the property securing the loan is found; and
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