The Board or its appointed agent, prepares per year, for every MSA or metropolitan division (such as an MSA or metropolitan division that crosses a Point out boundary) along with the nonmetropolitan percentage of Just about every Point out, an mixture disclosure assertion of described tiny business lending, smaller farm lending, community progress lending, and Neighborhood improvement investments by all depository establishments matter to reporting underneath this section or twelve CFR section twenty five or 345.
usually means a bank that's not within the business enterprise of extending shut-stop property home loan loans, modest enterprise loans, smaller farm loans, or car loans evaluated beneath § 228.
네이버를 자주 이용한다면, 북마크 기능을 활용하여 손쉽게 접근할 수 있습니다. 웹 브라우저의 북마크 기능을 통해 네이버 페이지를 등록하면, 다음부터는 북마크 목록에서 바로 네이버에 접속할 수 있습니다.
Things regarded in analyzing the impact and responsiveness of the bank's Neighborhood advancement loans, community improvement investments, and Group enhancement expert services include things like, but are not restricted to, if the Group enhancement loan, Group progress investment, or Group growth company:
The Board evaluates a armed service bank pursuant into the relevant performance exams described in paragraph (a) of the area.
For each key product line, a Geographic Local community Benchmark, calculated pursuant to paragraph III.c of appendix A to this component for facility-primarily based assessment spots and retail lending evaluation locations, and paragraph III.e of appendix A to this section for outdoor retail lending locations.
) Gains or serves one or more geographic parts with reduced amounts of Neighborhood progress funding;
For those who default around the payments of your respective loan you may well be accountable for more service fees. At 228 loan we strive to work with lenders that use honest and authorized selection steps to rectify a loan which has not been repaid.
(5) A summary of retail banking products and services (which includes several hours of Procedure, available loan and deposit items, and transaction expenses) usually available on the financial institution's branches and descriptions of fabric distinctions in The supply or price of expert services at certain branches, if any.
If you have questions with the Agency that issued The existing doc remember to Make contact with the agency specifically.
The Board evaluates an intermediate lender's document of helping to fulfill the credit rating demands of its entire community pursuant to the Retail Lending Exam in § 228.
) of this area in a similar calendar year, of the Local community development loan refinanced or renewed in a very calendar year subsequent into the calendar year of origination or order, as of December 31 of your calendar calendar year for every year the loan continues to be about the lender's balance sheet; or an existing Group development investment decision renewed in the 12 months subsequent on the yr the investment decision was created as of December 31 for every year that here the investment decision stays about the bank's harmony sheet.
(i) Impedes its power to accomplish in a satisfactory stage beneath the prepare, which include economical constraints caused by significant events that impact the local or national economic system; or
) The number of retail banking services and retail banking products and solutions provided by means of electronic supply programs and various delivery systems; and