228 loan - An Overview
228 loan - An Overview
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The Board or its appointed agent, prepares per year, for each MSA or metropolitan division (which includes an MSA or metropolitan division that crosses a Condition boundary) as well as the nonmetropolitan part of each Point out, an combination disclosure assertion of described little business lending, small farm lending, Group enhancement lending, and Neighborhood growth investments by all depository establishments subject matter to reporting beneath this element or 12 CFR part 25 or 345.
가장 직관적이고 기본적인 방법은 웹 브라우저 주소창에 네이버 주소를 입력하는 것입니다. 네이버의 공식 주소는 ""입니다. 주소창에 이 주소를 입력하고 엔터 키를 누르면 네이버 메인 페이지로 이동합니다.
Catastrophe preparedness and climate resiliency activities aid individuals and communities to organize for, adapt to, and face up to all-natural disasters or climate-linked dangers or disasters. Disaster preparedness and weather conditions resiliency things to do advantage or serve specific census tracts and:
To acquire supporting conclusions for geographic distributions of closed-close property mortgage loan loans, small business enterprise loans, and smaller farm loans, the Board evaluates the lender's general performance by comparing the Geographic Lender Metric to functionality ranges, depending on the Geographic Market Benchmark, the Geographic Neighborhood Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this part.
(D) A bank other than a sizable lender may perhaps involve retail banking services or retail banking products and solutions part(s) and accompanying yearly measurable objectives in its plan.
In thinking about CRA performance in an software explained in paragraph (a) of the section, the Board normally takes under consideration any views expressed by interested events which have been submitted in accordance With all the Board's Regulations of Procedure set forth in 12 CFR element 262.
usually means a lender, excluding a lender designated as a limited goal bank pursuant to § 228.26, that experienced belongings of fewer than $600 million as of December 31 in both with the prior two calendar yrs. The Board adjusts and publishes the dollar determine In this particular definition on a yearly basis based on the yr-to-calendar year improve in the average of The patron Selling price Index for Urban Wage Earners and Clerical Personnel, not seasonally altered, for each twelve-month time period ending in November, with rounding to the closest million.
. The financial institution have to include things like the published detect in the public file inside of three company times just after acquiring notification through the FFIEC of The supply from the disclosure assertion.
A substantial bank that had property larger than $ten billion as of December 31 in both equally of your prior two calendar years must collect and maintain annually, in electronic form, as prescribed from the Board, until the completion of the lender's upcoming CRA evaluation during which the data are evaluated, the greenback volume of its deposits on the county level dependant on deposit locale.
The Board weights the bank's effectiveness rating for your general performance tests applicable to a considerable bank as follows:
To get a constrained reason lender that experienced property larger than $ten billion as of December 31 in equally of your prior two calendar decades, the Minimal Intent Lender Community Growth Financial investment Metric steps the greenback quantity on the financial institution's Neighborhood advancement investments that gain or serve all or Section of the nationwide spot, excluding home finance loan-backed securities, in comparison to the lender's property, calculated pursuant to paragraph III.d of appendix B to this portion.
A significant lender must collect and report to the Board yearly by April 1 a summary of Each and every retail lending assessment region displaying the States, MSAs, and counties inside the retail lending assessment area for the prior calendar year.
Pursuant to § 228.28 and appendix C to this aspect, the Board assigns conclusions to get a bank's Group Enhancement Products and services Take a look at effectiveness in Each and every facility-dependent evaluation space, each Point out or multistate MSA, as applicable, and with the institution.
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