Detailed Notes on 228 loan
Detailed Notes on 228 loan
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(i) The retail lending desires of its facility-centered assessment parts, retail lending evaluation areas, and outside retail lending spot that happen to be included from the program. A financial institution that originates or buys loans in an item line evaluated pursuant on the Retail Lending Check in § 228.
(seven) Details indicating the credit rating demands of the ability-based mostly assessment space or retail lending evaluation area are certainly not being achieved by lenders within the mixture, these types of which the applicable benchmarks don't sufficiently reflect Group credit rating wants.
The outside retail lending location is comprised of component geographic regions. A component geographic spot is any MSA or even the nonmetropolitan area of any State, or portion thereof, bundled in just the surface retail lending place.
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The Board considers the department availability and companies furnished at branches of banks that work one or more branches pursuant to paragraph (b)(2) of this part.
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For a small financial institution evaluated under the Tiny Financial institution Lending Exam, the Board rates the financial institution's overall performance underneath this segment as furnished in appendix E to this component.
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The Board considers Local community advancement loans and Group growth investments allocated pursuant to paragraph I.b of appendix B to this portion.
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If a armed forces bank delineates the complete U.s. and its territories as its sole facility-dependent assessment location pursuant to § 228.16(d), the Board evaluates the bank exclusively at the establishment stage based upon its general performance in its sole facility-centered evaluation area.
(B) The success from the financial institution's devices for offering retail banking providers and The supply and responsiveness of your lender's retail banking goods, pursuant to § 228.23, as applicable;