About 228 loan

(1) Information and facts indicating that a financial institution ordered shut-finish household mortgage loans, modest company loans, smaller farm loans, or automobile loans for the sole or Principal purpose of inappropriately improving its retail lending performance, which includes, although not restricted to, information indicating subsequent resale of these kinds of loans or any sign that these types of loans happen to be viewed as in various depository establishments' CRA evaluations, in which case the Board doesn't contemplate these kinds of loans during the lender's performance analysis;

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Disaster preparedness and weather conditions resiliency actions guide folks and communities to arrange for, adapt to, and stand up to natural disasters or climate-linked dangers or disasters. Catastrophe preparedness and temperature resiliency actions gain or provide qualified census tracts and:

If your Board receives a public remark prior to the near date of the lender's CRA evaluation, the public remark are going to be considered in reference to that CRA evaluation.

The Board considers data furnished by the bank and will take into consideration publicly obtainable information and data provided by governing administration or Neighborhood resources that demonstrates that a Local community growth service Positive aspects or serves a facility-based mostly evaluation place, Point out, or multistate MSA, or perhaps the nationwide location.

The Board considers the department availability and providers supplied at branches of banking companies that function one or more branches pursuant to paragraph (b)(two) of the segment.

(D) A little bank may possibly involve a Neighborhood enhancement loan or Neighborhood development financial investment component and accompanying annual measurable aims in its strategy.

The Retail Lending Test evaluates a financial institution's file of assisting to satisfy the credit history wants of its full Neighborhood from the bank's origination and purchase of vehicle loans if the bank is often a the vast majority automobile lender.

Topic towards the geographic specifications in paragraph (b) of the part, click here a big bank must delineate, for a selected calendar yr, a retail lending assessment location in any MSA or during the nonmetropolitan place of any Point out by which it originated:

The Board assigns conclusions for that effectiveness of the financial institution working below a strategic strategy pursuant to § 228.

(B) Inside five calendar days on the ask for, all the data which the lender is necessary to maintain below this area in the general public file concerning the facility-primarily based assessment spot wherein the department is situated.

Except as or else offered In this particular area, a financial institution should be certain that its community file includes the information necessary by this segment for each on the preceding three calendar many years, with the most recent calendar calendar year included in its file on a yearly basis by April one of the current calendar calendar year.

A financial institution will have to preserve a community file, in both paper or electronic structure, that includes the following facts:

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