228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a little financial institution's report of helping to meet up with the credit demands of its whole community pursuant on the Tiny Bank Lending Test as presented in paragraph (a)(two) of this section, unless the little bank opts to become evaluated pursuant to the Retail Lending Exam in § 228.22.
Merely a financial institution that is an affiliate of a Keeping enterprise must contain the following to the final sentence of the notices. A lender ought to involve the final sentence in the notices only whether it is an affiliate of a Keeping corporation that's not prevented by statute from acquiring supplemental depository institutions.
) The amount of examining and personal savings accounts opened digitally and through other shipping programs by census tract revenue level for every calendar 12 months; and
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The Board evaluates a lender's community development solutions functionality in a facility-based mostly assessment region and assigns a conclusion for any facility-based mostly assessment spot, by considering a number of of the next:
For every major merchandise line, a Geographic Community Benchmark, calculated pursuant to paragraph III.c of appendix A to this portion for facility-centered evaluation spots and retail lending assessment regions, and paragraph III.e of appendix A to this aspect for outdoor retail lending parts.
(4) Lacking or faulty facts that will be required to work out the related metrics and benchmarks or almost every other aspects that protect against the Board from calculating a Retail Lending Check encouraged conclusion.
The Board critiques the effects and responsiveness of the lender's Neighborhood growth loans and community enhancement investments that gain or serve the nationwide place, as delivered in § 228.15.
To guage a financial institution's retail banking solutions, the Board more info considers a bank's department availability and products and services delivered at branches, remote assistance facility availability, and digital shipping and delivery methods together with other supply units, as follows:
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For house property finance loan loans, the bank need to determine the house home loan loans claimed by financial institution affiliate marketers beneath 12 CFR part 1003, if applicable, or accumulate and maintain information on household home loan loans with the affiliate that the bank would have collected and taken care of pursuant to paragraphs (a)(3) of this part experienced the loans been originated or procured by the bank.
(1) All prepared reviews received from the public for the current yr (up-to-date over a quarterly foundation with the prior quarter by March 31, June thirty, September thirty, and December 31) and every of the prior two calendar a long time that specially relate to the bank's overall performance in helping to meet community credit rating desires, and any response for the reviews via the lender, if neither the comments nor the responses comprise statements that replicate adversely on The nice title or status of any individuals apart from the lender or publication of which would violate distinct provisions of legislation;
suggests a channel by which financial institutions present retail banking products and services electronically, for example on the web banking or cellular banking.