228 loan - An Overview
228 loan - An Overview
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(E) Allocation of the dollar quantity of the Group progress loan or community advancement expenditure to geographic locations served via the loan or expenditure:
Apart from a small lender that opts for being evaluated pursuant towards the Retail Lending Test in § 228.22, the Board assigns conclusions for that functionality of a little financial institution evaluated under this portion as delivered in appendix E to this aspect.
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The Board considers details supplied by the financial institution and could think about publicly obtainable details and information supplied by federal government or community sources that demonstrates that a Group advancement services Advantages or serves a facility-based mostly assessment region, Condition, or multistate MSA, or the nationwide area.
A financial institution matter to this part may ask for the Board validate that a loan, expenditure, or support is suitable for Group progress consideration by distributing a ask for to, and in a format prescribed by, the Board.
This is required of every lender under the Fact in Lending Act. If you agree to the charges and fees, the lender will direct you to an e-signature web site, as well as your loan are going to be processed.
(3) A little business enterprise loan 228 loan or modest farm loan is situated within the census tract where the principle organization facility or farm is situated or wherever the borrower will or else apply the loan proceeds, as indicated because of the borrower.
Subject matter to your geographic necessities in paragraph (b) of the section, a large lender ought to delineate, for a specific calendar year, a retail lending evaluation place in any MSA or within the nonmetropolitan area of any Point out where it originated:
indicates a closed-conclusion residence home finance loan loan or an open up-conclusion household home finance loan loan as these phrases are defined On this segment.
The Board considers the loans, investments, providers, and solutions of affiliate marketers of a financial institution that aren't operations subsidiaries, for the bank's selection, subject to the next:
) The number of examining and savings accounts opened digitally and through other delivery methods by census tract profits stage for each calendar calendar year; and
A bank should keep a general public file, in possibly paper or electronic format, that features the next information and facts:
(i) The whole lot of just one MSA (utilizing the MSA boundaries which were in effect as of January 1 of your calendar year where the delineation applies), excluding any counties In the huge financial institution's facility-based assessment regions; or