228 loan No Further a Mystery
228 loan No Further a Mystery
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suggests any enterprise that controls, is controlled by, or is beneath common Command with An additional corporation. The phrase “Regulate” has the which means specified to that expression in 12 U.
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(i) The amount and share of originations and apps of the big bank's dwelling property finance loan loans by borrower or applicant revenue stage, race, and ethnicity;
The Board opinions the impression and responsiveness of a lender's community development loans and Group progress investments that reward or serve a facility-centered assessment region, as provided in § 228.fifteen.
(i) A bank may well incorporate general performance evaluation components and accompanying once-a-year measurable objectives For added geographic regions but may not remove the analysis of its effectiveness in any geographic spot that will be A part of its functionality analysis within the absence of an accredited plan.
(D) A little bank may well consist of a Local community development loan or Neighborhood enhancement investment decision element and accompanying once-a-year measurable objectives in its prepare.
A financial institution will have to delineate a number of facility-based assessment areas within just which the Board evaluates the financial institution's file of helping to satisfy the credit rating wants of its complete community pursuant to the functionality exams and strategic strategy explained in § 228.21.
A bank ought to provide in the public spot of its main Business office and every of its branches the right public observe established forth in appendix File to this part. Only a branch of a financial institution acquiring more than one facility-primarily based assessment spot will have to include things like the bracketed content while in the discover for branch workplaces.
The Board weights the bank's functionality rating for the functionality assessments relevant to a substantial bank as follows:
Affiliated depository institutions supervised by exactly the same Federal financial supervisory company may well put together a joint strategy, supplied which the prepare contains, for each financial institution, the applicable general performance exams that would utilize while in the absence of the check here accredited strategy.
Apart from as otherwise supplied On this segment, a bank should make certain that its public file consists of the information needed by this section for every of your past 3 calendar many years, with the most recent calendar year included in its file annually by April one of the current calendar year.
A lender must keep a general public file, in possibly paper or digital format, that includes the next information and facts:
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