5 Simple Statements About 228 loan Explained
5 Simple Statements About 228 loan Explained
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For every census tract wherein the financial institution originated or obtained a small organization loan or small farm loan, the bank ought to report the combination number and dollar level of little company loans and small farm loans:
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(one) For financial institutions that preserve a web site, all data needed with the bank's general public file below this portion have to be managed about the lender's Web site.
(A) The Board considers the digital shipping and delivery methods and also other shipping techniques of the following banking companies:
A bank issue to info reporting specifications pursuant to § 228.42 will have to incorporate in its general public file a prepared notice that the CRA Disclosure Statement pertaining to your lender, its operations subsidiaries, and its other affiliates, if relevant, might be obtained about the FFIEC's Web site at:
Pursuant to § 228.28 and appendix D to this part, the Board incorporates a lender's Retail Lending Exam conclusions into its Point out or multistate MSA rankings, as applicable, and its establishment ranking.
The Board reviews the influence and responsiveness on the financial institution's Neighborhood advancement loans and community development investments that profit or serve the nationwide region, as supplied in § 228.fifteen.
Topic on the geographic needs in paragraph (b) of this section, a considerable bank have to delineate, for a specific calendar 12 months, a retail lending evaluation region in any MSA or within the nonmetropolitan area of any Point out where it originated:
(i) All the information needed for that lender's general public file must be maintained at the key Business office and, if an interstate financial institution, at just one department Business in Each and every State; and
Affiliated depository establishments supervised by the exact same Federal money supervisory agency might prepare a joint approach, presented that the plan consists of, for each bank, the relevant functionality tests that could use in the absence of an approved system.
The outside retail lending place is comprised of component geographic parts. A component geographic location is any MSA or even the nonmetropolitan area of any Condition, or part thereof, included inside of the more info surface retail lending space.
(ii) The variety and percentage of originations and applications of mixture mortgage lending of all lenders reporting HMDA data in the ability-based assessment spot and as relevant, the retail lending evaluation spot; and
) The variety of retail banking services and retail banking goods supplied by electronic shipping programs and other supply systems; and