5 Simple Statements About 228 loan Explained
A limited purpose financial institution's Neighborhood development financing efficiency in its facility-centered assessment areas within the Point out or multistate MSA; and(six) A map of each facility-centered assessment space and, as applicable, Each individual retail lending evaluation place showing the boundaries of the realm and determining the census tracts contained in the region, both on the map or in a different list; and
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The Board may possibly take into consideration a lender's Local community growth loans, Neighborhood advancement investments, and Neighborhood improvement providers provided beyond its facility-primarily based evaluation places, as presented In this particular section.
(ix) An indicator for whether the loan was to a business or farm with gross once-a-year revenues larger than $one million; and
Pursuant to 12 U.S.C. 2906, the Board gives conclusions derived less than this aspect separately for metropolitan regions by which a lender maintains one or more domestic branch offices and for the nonmetropolitan area of a Condition if a bank maintains one or more domestic department offices in these nonmetropolitan spot.
(B) The efficiency of the lender's systems for delivering retail banking providers and the availability and responsiveness of the lender's retail banking products and solutions, pursuant to § 228.23, as relevant;
Revitalization or stabilization comprises actions that assist revitalization or stabilization of check here targeted census tracts, like adaptive reuse of vacant or blighted buildings, brownfield redevelopment, guidance of the system for a company advancement district or major street plan, or any other exercise that supports revitalization or stabilization, Which:
The limited objective bank's community advancement financing functionality in all of its facility-dependent assessment locations; and
The Board evaluates the availability and responsiveness of a lender's digital shipping and delivery methods and also other shipping and delivery methods, which includes to lower- and moderate-revenue persons, people, or homes with the establishment amount by contemplating:
Loans, investments, and providers that support compact enterprises or little farms in accordance with how compact companies and smaller farms are defined during the applicable prepare, plan, or initiative, but excluding loans by a lender directly to smaller companies or modest farms (either as outlined within a governing administration prepare, plan, or initiative or in § 228.
Besides as normally furnished During this portion, a financial institution will have to make sure that its public file consists of the information needed by this part for each on the former 3 calendar years, with The latest calendar yr included in its file yearly by April one of the present calendar 12 months.
A lender's system ought to supply a justification that demonstrates the need for the following elements of a program a result of the financial institution's organization product (
A bank ought to sustain a general public file, in either paper or electronic structure, that includes the next information: