228 loan - An Overview
228 loan - An Overview
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A bank required to report household property finance loan loan facts pursuant to 12 CFR aspect 1003 need to include in its community file a written observe which the lender's HMDA Disclosure Statement could possibly be attained on the Consumer Economic Defense Bureau's (CFPB's) website at:
(1) Any details pertaining to a financial institution's institutional capacity or constraints, including the dimensions and economical issue of your bank, safety and soundness limitations, or almost every other financial institution-precise elements that appreciably have an affect on the financial institution's capacity to supply retail lending, retail banking providers and retail banking solutions, Local community progress loans, Group growth investments, or Neighborhood progress products and services;
(B) The Board evaluates the smaller lender for the analysis period previous the financial institution's subsequent CRA assessment pursuant towards the Retail Lending Test in § 228.22 and continues evaluations below this functionality take a look at for subsequent analysis durations right up until the bank opts out.
(D) A bank in addition to a substantial bank may well contain retail banking products and services or retail banking items element(s) and accompanying annual measurable goals in its program.
The Board works by using the ability-primarily get more info based evaluation places delineated by a bank in its analysis in the lender's CRA effectiveness Except if the Board establishes that the ability-centered assessment places usually do not adjust to the necessities of the section.
Responses or questions on doc material can't be answered by OFR staff members. Please tend not to give private information or private knowledge.
For a large lender necessary to report home home loan loan info pursuant to 12 CFR section 1003, the Board will publish over the Board's Web page the information needed by paragraph (j)(two) of this portion in regards to the distribution of a big lender's originations and programs of home property finance loan loans by borrower or applicant profits degree, race, and ethnicity in Each and every of the lender's facility-primarily based evaluation places, and as relevant, its retail lending assessment parts. This data is revealed on a yearly basis based upon info described pursuant to 12 CFR component 1003.
The restricted goal financial institution's Local community enhancement funding performance in all of its facility-based evaluation areas; and
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(B) A financial institution aside from a big bank may well consist of a Local community growth solutions element and accompanying yearly measurable plans in its strategy.
Should you have inquiries for your Company that issued the current doc please Call the agency specifically.
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(ii) Should the Board, the FDIC, as well as OCC identify that a loan or investment decision is now not suitable for Neighborhood improvement thought, the proprietor of your loan or investment decision at enough time with the willpower will proceed to obtain community advancement consideration to the remaining phrase or duration of the loan or financial investment.