Not known Factual Statements About 228 loan
Not known Factual Statements About 228 loan
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(iv) Irrespective of whether to solicit further public enter or involve the financial institution to provide any more reaction to community input already obtained.
b of appendix A to this component for facility-dependent assessment places and retail lending evaluation places, and paragraph IV.d of appendix A to this element for outdoor retail lending areas; and
The Board considers evidence of discriminatory or other illegal credit history procedures described With this part by:
The Board weights the financial institution's functionality score for that overall performance tests relevant to an intermediate bank as follows:
The Board may regulate the score of an intermediate lender evaluated as provided in paragraph (a)(two) of this portion from “Satisfactory” to “Fantastic” with the establishment stage in which the lender requests and gets more thought for functions that will qualify pursuant to your Retail Expert services and Merchandise Test in § 228.23.
suggests the time period, usually in calendar a long time, during which a lender carried out the activities that the Board evaluates inside of a CRA evaluation, in accordance While using the Board's rules and treatments.
(five) Are furnished to learners or their people via a college at which nearly all college students qualify for free or lowered-cost foods under the U.S. Department of Agriculture's Nationwide University Lunch System;
The Board evaluates a confined reason financial institution's Group progress financing effectiveness within a facility-primarily based evaluation space and assigns a conclusion in the ability-centered assessment space determined by the Board's:
seventeen, the Board will likely not Examine the lender for its overall performance in that area for the relevant several years from the approach through which the area is no longer a retail lending assessment place.
The Board assigns a conclusion for the functionality of an intermediate bank evaluated pursuant to this section as delivered in appendices C and E to this section. In assigning conclusions for an intermediate lender, the Board might take into account general performance context information and facts as delivered in § 228.21(d).
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For every significant solution line, a Borrower Neighborhood Benchmark, calculated pursuant to paragraph IV.c of appendix A to 228 loan this part for facility-primarily based evaluation parts and retail lending evaluation parts, and paragraph IV.e of appendix A to this portion for out of doors retail lending locations.
The Board evaluates a lender's retail banking goods made available in the bank's facility-based mostly evaluation spots and nationwide, as applicable, within the establishment level as follows: