228 loan - An Overview
228 loan - An Overview
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) Group growth loan or Neighborhood enhancement financial investment element, for instance the particular variety of financing and type of entity supported (
228 loan is not really to blame for any in the conditions offered to you. Premiums, fees, and phrases are specifically selected through the lender.
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(iii) A list demonstrating each census tract during which the financial institution claimed a little business loan or a small farm loan;
The Board considers data provided by the lender and could look at publicly out there information and facts and knowledge supplied by federal government or Neighborhood resources that demonstrates that a community enhancement assistance Positive aspects or serves a facility-based mostly assessment space, Condition, or multistate MSA, or maybe the nationwide spot.
) The quantity of checking and savings accounts opened digitally and thru other shipping and delivery systems that happen to be Energetic at the end of Each individual calendar yr by census tract earnings stage for each calendar yr.
The Board weights the financial institution's efficiency score for that overall performance exams applicable to an intermediate bank as follows:
) Significant banking companies that experienced assets lower than or equal to $10 billion as of December 31 in possibly of your prior two calendar decades and that don't run branches.
A bank or discounts Affiliation's history of efficiency often is the foundation for denying or conditioning acceptance of an software listed in paragraph (a) of the section.
The Board evaluates the availability and responsiveness of a financial institution's electronic supply programs and other shipping systems, which include to lower- and average-earnings people today, families, or homes at the institution amount by thinking of:
The Board evaluates an intermediate bank's record of assisting to meet up with the credit rating demands of its full Group pursuant into the Retail Lending Exam in § 228.
Should you have queries for that Agency click here that issued The existing document please Call the company right.
A financial institution ought to maintain a public file, in possibly paper or electronic structure, that features the subsequent details:
A financial institution that's been authorized to be evaluated less than a strategic prepare need to include in its community file a copy of that prepare whilst it is in influence. A bank needn't contain information submitted for the Board on a confidential foundation together with the approach.