228 loan Options
228 loan Options
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A bank might specify alternative weights for averaging exam effectiveness across evaluation locations or other geographic places. These alternative weights need to be dependant on the bank's potential and Group desires and opportunities in distinct geographic places.
Only a financial institution that is certainly an affiliate of a Keeping business will have to contain the next to the last sentence in the notices. A lender ought to involve the final sentence from the notices only if it is an affiliate of a holding corporation that is not prevented by statute from buying supplemental depository institutions.
Apart from a little bank that opts for being evaluated pursuant into the Retail Lending Exam in § 228.22, the Board assigns conclusions for that functionality of a little lender evaluated under this portion as provided in appendix E to this part.
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) Particular information about the greenback volume of the Neighborhood development loan or Local community progress investment which was allotted to every county served via the loan or financial investment, if accessible.
(ii) If a substantial lender is just not issue to reporting underneath twelve CFR portion 1003 on account of the location of its branches, but would usually satisfy the house Home finance loan Disclosure Act (HMDA) size and lending exercise needs pursuant to twelve CFR section 1003, the bank need to gather and keep, in Digital type, as prescribed via the Board, right up until the completion of your bank's next CRA examination by which the data are evaluated, the following information, for each closed-close property house loan loan, excluding multifamily loans, originated or obtained in the course of the evaluation period:
usually means a financial institution's loans in one of the following, separate categories in a particular Retail Lending Test Space:
(ii) Any county inside a nonmetropolitan area during which the financial institution didn't originate or acquire any shut-conclusion dwelling home finance loan loans, compact small business loans, modest farm loans, or automobile loans if auto loans are an item line with the financial institution.
indicates a loan to one or more people today for residence, relatives, or other personal expenditures Which has become the following sorts of loans:
구글이나 빙 등 다른 검색 엔진을 사용하고 있다면, 검색창에 "네이버"를 입력하고 검색하면 네이버 홈페이지를 바로 찾아볼 수 있습니다.
(A) A bank could specify yearly measurable aims for Group growth loans, Neighborhood development investments, or equally. The lender need to foundation any annual measurable goals to be a percentage or ratio in the financial institution's Group improvement loans and Neighborhood growth investments for all or specified forms of Group advancement explained in § 228.
(B) For large banks that had property under or here equivalent to $10 billion as of December 31 in either of your prior two calendar many years, the Board considers a bank's deposit products and solutions only within the financial institution's possibility.
A bank's system will have to supply a justification that demonstrates the need for the next areas of a prepare due to lender's business design (
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