228 loan - An Overview
The Board reviews the effects and responsiveness on the lender's Neighborhood development loans and Local community advancement investments that profit or serve the nationwide place, as offered in § 228.fifteen.This Make contact with type is just for Web page aid or Site recommendations. In case you have queries or comments about a published doc make sure you Call the publishing company.
suggests the overall performance of volunteer products and services by a bank's or its affiliate's board customers or employees, carried out on behalf on the bank, where by Those people expert services:
To develop supporting conclusions for geographic distributions of shut-close household property finance loan loans, compact small business loans, and tiny farm loans, the Board evaluates the bank's general performance by comparing the Geographic Lender Metric to effectiveness ranges, determined by the Geographic Marketplace Benchmark, the Geographic Local community Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this portion.
The Board opinions the impression and responsiveness of a bank's Group enhancement loans and Local community growth investments that reward or provide a facility-dependent assessment area, as delivered in § 228.fifteen.
In contemplating CRA general performance in an application described in paragraph (a) of the section, the Board normally takes under consideration any sights expressed by interested events which might be submitted in accordance Using the Board's Regulations of Process set forth in twelve CFR component 262.
(two) The dispersion of a bank's closed-stop house home finance loan lending, small business lending, tiny farm lending, or car lending in just a facility-based assessment location to ascertain no matter if you will discover gaps in lending that are not more info defined by general performance context;
In case you default over the payments within your loan you may be liable for added expenses. At 228 loan we try to work with lenders that use honest and legal collection steps to rectify a loan which includes not been repaid.
implies a bank, excluding a lender selected being a confined purpose bank pursuant to § 228.26, that experienced assets of at the very least $two billion as of December 31 in both equally in the prior two calendar years. The Board adjusts and publishes the figure Within this definition yearly, determined by the 12 months-to-yr transform in the standard of The patron Selling price Index for Urban Wage Earners and Clerical Staff, not seasonally adjusted, for each twelve-month period of time ending in November, with rounding to the closest million.
In the course of the time period of the approach, a bank might request the Board to approve an amendment for the program while in the absence of a fabric modify in conditions.
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상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
Notwithstanding the requirements of the section, a army bank whose clients usually are not Situated inside of a defined geographic location may possibly delineate all the U . s . and its territories as its sole facility-centered evaluation location.
(i) The whole lot of just one MSA (utilizing the MSA boundaries that were in influence as of January 1 of your calendar yr in which the delineation applies), excluding any counties Within the large financial institution's facility-based assessment parts; or