About 228 loan
About 228 loan
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means any enterprise that controls, is controlled by, or is below popular Management with An additional company. The phrase “Handle” has the this means specified to that phrase in twelve U.
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indicates retail economical products and services supplied by a lender to people, tiny companies, or compact farms and include things like a bank's units for delivering retail economical expert services.
To produce supporting conclusions for geographic distributions of closed-close household mortgage loans, compact small business loans, and little farm loans, the Board evaluates the lender's performance by comparing the Geographic Financial institution Metric to performance ranges, based upon the Geographic Industry Benchmark, the Geographic Community Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this element.
A lender topic to facts reporting specifications pursuant to § 228.42 ought to include in its community file a published notice the CRA Disclosure Assertion pertaining towards the financial institution, its functions subsidiaries, and its other affiliates, if applicable, could possibly be received over the FFIEC's Web page at:
(ii) During the prior two calendar yrs, the bank originated or obtained exterior the bank's facility-centered assessment areas much more than 50 percent of your bank's dwelling house loan loans, multifamily loans, tiny small business loans, modest farm loans, and car loans if auto loans are a product line for that financial institution, as explained in paragraph II.a.2 of appendix A to this component.
(three) Rewards or serves a number of geographic places with very low amounts of Group improvement financing;
) A lender may possibly use alternative weights for combining the borrower and geographic distribution analyses for main product or service line(s) or other loan solutions.
signifies the interval, normally in calendar a long time, all through which a bank done the activities that the Board evaluates inside a CRA evaluation, in accordance Using the Board's pointers and methods.
A financial institution may submit supplemental data into the Board on a confidential foundation, but the targets mentioned in the program need to be adequately specific to permit the general public as well as Board to guage the deserves from the program.
The Board evaluates a lender's distant services facility availability within a facility-dependent evaluation place based on the subsequent:
For residence mortgage loan loans, the bank must detect the house mortgage loan loans reported by its functions subsidiary beneath twelve CFR part 1003, if applicable, or collect and manage knowledge on residence home loan loans by its functions subsidiary that the financial institution would have gathered and maintained pursuant to paragraph (a)(3) of the segment experienced the bank originated or acquired the loans.
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means a staffed banking facility, no matter whether shared or unshared, the Board permitted or licensed for a department and that is open to, and accepts deposits from, the general public.