228 loan - An Overview
228 loan - An Overview
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The Board may alter the ranking of the intermediate bank evaluated as presented in paragraph (a)(two) of the segment from “Satisfactory” to “Fantastic” within the establishment level the place the lender requests and receives added thought for functions that would qualify pursuant to your Retail Services and Goods Check in § 228.23.
(ii) To accumulate possession or Charge of shares or all or substantially every one of the property of a financial institution, to bring about a bank to become a subsidiary of a lender Keeping corporation, or to merge or consolidate a lender Keeping firm with some other lender Keeping enterprise inside a transaction that needs approval underneath portion 3 with the Bank Keeping Business Act (twelve U.S.C. 1842);
(2) A copy of the public area on the lender's newest CRA general performance analysis geared up because of the Board. The financial institution should contain this duplicate in the public file inside thirty organization days soon after its receipt through the Board;
The Board considers the utilization of a lender's deposit products responsive to the requires of very low- and average-money individuals, family members, or homes based on the next data:
(i) All the data demanded for the bank's general public file must be managed at the primary Place of work and, if an interstate financial institution, at 1 branch Place of work in Every single State; and
(two) A replica of the public part of the lender's most recent CRA overall performance evaluation ready through the Board. The bank need to incorporate this duplicate in the general public file in just 30 organization times soon after its receipt from your Board;
(ii) Any county in the nonmetropolitan area where the bank didn't originate or obtain any shut-stop dwelling mortgage loans, smaller business loans, modest farm loans, or automobile loans if auto loans are a product line with the bank.
A bank should deliver in the general public place of its main Office environment and every of its branches the appropriate public notice set forth in appendix File to this element. Just a department of a read more bank obtaining more than one facility-based evaluation space should include things like the bracketed materials from the discover for branch workplaces.
Inside of a facility-dependent assessment space or exterior retail lending location, an item line is A serious item line When the bank's loans in that product or service line comprise 15 p.c or more with the bank's loans throughout each of the lender's product strains in the ability-dependent assessment place or outside the house retail lending area, as decided pursuant to paragraph II.b.one of appendix A to this part.
(B) The housing is found in a very census tract where the median profits of renters is lower- or moderate-profits and the median hire would not exceed thirty % of eighty % of the realm median earnings;
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
For vehicle loans, the Board compares a lender's geographic and borrower distributions for the relevant community benchmarks, as supplied in paragraph (f) of the section and area VI of appendix A to this section.
Pursuant to § 228.21, the Retail Lending Examination evaluates a bank's history of helping to meet up with the credit demands of its entire Neighborhood in the financial institution's origination and buy of household mortgage loan loans, multifamily loans, small organization loans, and compact farm loans.