228 loan - An Overview
228 loan - An Overview
Blog Article
The Board evaluates a little bank's document of helping to fulfill the credit score requires of its total Local community pursuant towards the Modest Financial institution Lending Exam as delivered in paragraph (a)(two) of the section, unless the compact financial institution opts to generally be evaluated pursuant for the Retail Lending Examination in § 228.22.
(iii) Any situation beyond the control of the bank, like financial ailments or other industry factors or situations, that have adversely impacted the lender's ability to conduct.
signifies retail fiscal expert services supplied by a financial institution to shoppers, small enterprises, or modest farms and contain a bank's systems for providing retail financial companies.
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(i) Why the financial institution's company product is outside the scope of, or inconsistent with, one or more components of the effectiveness tests that might utilize while in the absence of the accepted plan;
The Board may alter a small financial institution score from “Satisfactory” to “Superb” in the institution level in which the financial institution requests and gets added thought for the next functions, devoid of regard to if the exercise is in one or more of your lender's facility-based evaluation locations, as applicable:
(two) The dispersion of the bank's shut-finish household mortgage lending, little business enterprise lending, smaller farm lending, or automobile lending in just a facility-primarily based assessment region to determine irrespective of whether there are actually gaps in lending that aren't spelled out by effectiveness context;
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A lender or savings association's document of effectiveness often is the foundation for denying or conditioning acceptance of the software listed in paragraph (a) of the portion.
In the term of the plan, a bank may possibly ask for the Board to approve an amendment to your system while in the absence of a fabric change in situation.
(B) A financial institution other than a considerable bank could involve a community development companies ingredient and accompanying once-a-year measurable objectives in its prepare.
The Board evaluates a minimal objective bank's Group progress financing efficiency in a very facility-centered assessment space and assigns a summary in the facility-dependent assessment space determined by the Board's:
(ii) The Board considers an intermediate bank's Local community improvement loans, Local community improvement investments, and Local community improvement expert services without having regard to if the exercise is created in a number of of the financial institution's facility-centered assessment regions. The extent of the Board's consideration of Local community enhancement loans, community growth investments, and Group development companies beyond the lender's facility-centered evaluation areas will rely on the adequacy in the financial institution's responsiveness to Local community enhancement needs and possibilities inside the bank's facility-primarily based assessment locations and applicable efficiency context details.
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