228 loan - An Overview
228 loan - An Overview
Blog Article
The Board might alter a small bank score from “Satisfactory” to “Outstanding” for the establishment amount exactly where the bank requests and receives extra consideration for actions that might qualify pursuant on the Retail Products and services and Goods Check in § 228.
The Board evaluates a bank's branch availability and companies in a facility-primarily based assessment place according to the following:
. Moreover, When the Board viewed as the home mortgage loan lending of the bank's operations subsidiaries or, at a financial institution's election, the Board viewed as the house house loan lending of other lender affiliates, the bank have to include in its public file the names in the operations subsidiaries along with the names with the affiliate marketers in addition to a created detect which the functions subsidiaries' and various affiliate marketers' HMDA Disclosure Statements may be obtained in the CFPB's Site.
If your Board gets a community comment prior to the near date of the financial institution's CRA evaluation, the public remark might be viewed as in connection with that CRA assessment.
A financial institution that received a under “Satisfactory” institution score through its newest assessment must contain in its community file a description of its recent initiatives to boost its overall performance in helping to meet the credit score desires of its full Group.
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Pursuant to § 228.21, the Neighborhood Growth Financing Examination evaluates the financial institution's report of helping to satisfy the credit rating needs of its full Group by means of Neighborhood advancement loans and Neighborhood improvement investments (
The Board assigns conclusions to a significant bank's or minimal reason bank's performance to the relevant exams described in paragraph (a) of this part pursuant to § 228.28 and appendix C to this component. The Board assigns conclusions to a little lender's or intermediate lender's efficiency to the relevant tests described in paragraph (a) of this segment pursuant to § 228.
A bank may possibly submit more details to your Board on a confidential basis, even so the plans mentioned within the prepare needs to be sufficiently distinct to empower the general public along with the Board to guage the deserves of the program.
(A) A copy of the public portion in the lender's most recent CRA effectiveness analysis and a list of expert services provided by the branch; and
A large bank should gather and report to the Board each year by April 1 a summary of Every single retail lending assessment location displaying the States, MSAs, and counties while in the retail here lending assessment region for your prior calendar year.
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A substantial bank need to accumulate and sustain in Digital kind, as prescribed from the Board, until completion with the bank's following CRA examination where the data are evaluated, the next data with regard to retail banking services and retail banking solutions provided and supplied by the lender in the course of each calendar yr: