228 loan - An Overview
228 loan - An Overview
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A restricted objective lender's Neighborhood advancement financing performance in its facility-primarily based evaluation parts during the Point out or multistate MSA; and
A bank needed to report household home finance loan loan information pursuant to twelve CFR component 1003 ought to include things like in its general public file a published discover which the bank's HMDA Disclosure Statement can be attained on the Consumer Monetary Safety Bureau's (CFPB's) Site at:
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usually means, notwithstanding the definition of “modest company” Within this part, a loan included in “loans to smaller organizations” as documented in Schedule RC-C of the Call Report.
(ii) If a big financial institution is not really subject matter to reporting under 12 CFR aspect 1003 as a result of The situation of its branches, but would otherwise satisfy the Home Home finance loan Disclosure Act (HMDA) size and lending exercise prerequisites pursuant to twelve CFR component 1003, the bank have to obtain and preserve, in electronic type, as prescribed with the Board, right until the completion of the lender's next CRA examination by which the data are evaluated, the subsequent knowledge, for every shut-finish household mortgage loan, excluding multifamily loans, originated or acquired over the analysis interval:
(two) The dispersion of the bank's closed-conclusion household home loan lending, little enterprise lending, tiny farm lending, or automobile more info lending inside of a facility-centered assessment region to ascertain irrespective of whether there are gaps in lending that aren't described by overall performance context;
(ii) In step with paragraph (g) of this portion, a financial institution's prepare could contain optional analysis elements or suitable modifications and additions to the general performance assessments that may use in the absence of an accepted program.
The Board seeks to act upon a draft system inside of ninety calendar days once the Board receives the entire draft strategy as well as other materials essential pursuant to paragraph (file) of this portion.
The Board assigns conclusions for the overall performance of a bank functioning beneath a strategic program pursuant to § 228.
The Board evaluates an intermediate lender's report of helping to satisfy the credit score wants of its complete Neighborhood pursuant towards the Retail Lending Check in § 228.
The Board considers the weighted ordinary in the overall performance scores similar to the bank's Neighborhood Advancement Providers Exam conclusions for its facility-dependent evaluation places in just a State, multistate MSA, or even the establishment pursuant to portion IV of appendix B to this element.
A bank have to preserve a general public file, in both paper or electronic format, that includes the subsequent information and facts:
has the identical this means as that phrase is outlined because of the Director on the Office environment of Administration and Spending budget.