The 2-Minute Rule for 228 loan
The 2-Minute Rule for 228 loan
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A confined purpose financial institution's Group growth financing performance in its facility-dependent assessment locations while in the State or multistate MSA; and
The Board might change the ranking of the intermediate bank evaluated as delivered in paragraph (a)(2) of this part from “Satisfactory” to “Excellent” for the establishment amount wherever the financial institution requests and receives further thing to consider for actions that may qualify pursuant to the Retail Expert services and Goods Exam in § 228.23.
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The inclusion of the affiliate's loans, investments, companies, and merchandise in the lender's plan, or in a joint approach of affiliated depository institutions, is subject to the next:
A lender that been given a under “Satisfactory” establishment ranking during its most recent examination need to include things like in its general public file an outline of its present-day attempts to boost its efficiency in assisting to fulfill the credit wants of its total Local community.
(iii) A listing showing Every census tract by which the financial institution noted a little company loan or a small farm loan;
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(2) If the individuals or traders prefer to allocate Group advancement loans or Local community enhancement investments amid on their own for thing to consider below this section, no participant or investor could declare a loan origination, loan invest in, or expense for community growth thought if One more participant or investor claims the identical loan origination, loan order, or financial commitment; and
The greenback quantity from the minimal purpose financial institution's Group improvement loans and Neighborhood progress investments that benefit or serve the Condition or multistate MSA and an evaluation of your impression and responsiveness of Individuals loans and investments, as delivered in § 228.fifteen.
The Board weights the lender's general performance score with the effectiveness tests applicable to a significant financial institution as follows:
Loans, investments, and providers that assistance compact firms or small farms in accordance with how smaller organizations and compact farms are outlined during the applicable system, plan, or initiative, but excluding loans by a lender directly to tiny enterprises or little farms (both as described inside a govt plan, method, or initiative or in § 228.
The Board evaluates a restricted goal lender's Group development financing performance in a facility-centered evaluation region and assigns a conclusion in the power-centered evaluation place depending on the Board's:
); the time period “uninsured Point out department” indicates a Condition branch the deposits of which are not insured through the Federal Deposit Insurance plan Corporation; the expression “confined department” means a State branch that accepts only deposits which can be permissible for a company arranged underneath part 25A with the Federal Reserve Act (twelve U.S.C. 611 et seq.
has the same indicating as that phrase is described with the Director from the Office of Management check here and Budget.