228 loan - An Overview
228 loan - An Overview
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(four) Another proof demonstrating that the lender's Group improvement providers are responsive to Local community improvement needs, such as the volume of very low- and moderate-earnings folks which can be contributors, or variety of businesses served; and
(ii) The retail banking companies and retail banking merchandise needs of its facility-based evaluation places and for the institution stage which might be lined by the strategy.
The Board costs the efficiency of the intermediate bank evaluated less than this section as presented in appendix D to this part.
(iii) An inventory displaying Every census tract wherein the financial institution claimed a little company loan or a little farm loan;
The Board considers information and facts provided by the lender and could take into account publicly obtainable information and facts and data furnished by federal government or Local community sources that demonstrates that a Local community progress provider benefits or serves a facility-based mostly evaluation space, State, or multistate MSA, or even the nationwide location.
(iii) An inventory exhibiting Every single census tract during which the bank described a small business enterprise check here loan or a small farm loan;
(3) Rewards or serves one or more geographic regions with low levels of community growth financing;
(ii) Consistent with paragraph (g) of the area, a bank's approach may well include things like optional evaluation elements or suitable modifications and additions to your effectiveness exams that would implement inside the absence of the accepted plan.
The restricted goal financial institution's Local community development funding efficiency in all of its facility-dependent evaluation parts; and
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Affiliated depository institutions supervised by exactly the same Federal economic supervisory agency may get ready a joint system, furnished which the prepare features, for each financial institution, the relevant functionality assessments that would use during the absence of the authorized strategy.
The Multistate MSA Community Growth Financing Benchmark steps the greenback quantity of Local community development loans and Neighborhood enhancement investments that advantage or provide a multistate MSA for all massive depository establishments compared to deposits situated in the multistate MSA for all substantial depository establishments, calculated pursuant to paragraph II.h of appendix B to this element.
(iii) The lender's document of lending to and, as ideal, partaking in other retail and Neighborhood development lending-relevant activities for borrowers of different cash flow concentrations and organizations and farms of various dimensions;
) The array of retail banking products and services and retail banking items provided through digital supply devices and other delivery devices; and