228 loan Options
228 loan Options
Blog Article
) Local community improvement loan or Group progress expenditure element, such as the specific variety of financing and kind of entity supported (
(1) Thing to consider of your greenback quantity with the constrained goal bank's Local community enhancement loans and Group growth investments that advantage or provide the power-centered evaluation place; and
The Board evaluates a limited reason lender's Neighborhood development funding effectiveness in Each individual State or multistate MSA, as relevant pursuant to §§ 228.
Factors viewed as in assessing the affect and responsiveness of a bank's Group enhancement loans, Local community growth investments, and Group progress companies consist of, but aren't restricted to, if the Group progress loan, Neighborhood improvement investment decision, or community progress support:
(i) The general public's involvement in formulating the draft strategy, which includes unique facts concerning the associates of the general public and organizations the financial institution contacted And just how the lender collected details suitable to the draft prepare;
(ii) If a considerable lender isn't matter to reporting under twelve CFR aspect 1003 as a result of The placement of its branches, but would in any other case meet up with the Home Mortgage loan Disclosure Act (HMDA) size and lending action demands pursuant to twelve CFR section 1003, the bank should acquire and sustain, in electronic type, as prescribed by the Board, till the completion in the financial institution's future CRA examination during which the info are evaluated, the next facts, for every closed-stop residence house loan loan, excluding multifamily loans, originated or acquired through the analysis period of time:
(i) An intermediate financial institution's Neighborhood growth performance is evaluated pursuant to the following standards:
Pursuant to § 228.21, the Neighborhood Growth Financing Examination evaluates the financial institution's file of helping to meet the credit needs of its whole community via community development loans and community enhancement investments (
(five) A summary of retail banking companies (which include hours of Procedure, accessible loan and deposit solutions, and transaction service fees) normally provided for the lender's branches and descriptions of fabric variations in The supply or price of companies at unique branches, if any.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
Loans, investments, and solutions that aid modest businesses or modest farms in accordance with how small organizations and compact farms are defined while in the relevant plan, method, or initiative, but excluding loans by a bank on to compact companies or modest farms (both as described inside a federal website government program, method, or initiative or in § 228.
A sizable lender need to gather and maintain in Digital kind, as prescribed from the Board, until completion of the financial institution's up coming CRA assessment where the information are evaluated, the following facts with respect to retail banking expert services and retail banking merchandise provided and supplied by the bank through Each and every calendar calendar year:
Jobs to revitalize or stabilize a targeted census tract that come with both commercial and household elements qualify as revitalization or stabilization routines beneath this paragraph (e)(2), if:
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