228 loan - An Overview
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(B) For a big lender that had property under or equal $10 billion as of December 31 in possibly of the prior two calendar a long time and that operates at the very least one department, the Board considers the lender's digital shipping programs together with other shipping and delivery techniques within the lender's option.
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The Board evaluates a financial institution's overall performance less than an permitted approach depending on the general performance exams that would utilize while in the absence of the authorised program and any optional evaluation elements or qualified modifications and additions to your applicable effectiveness tests set forth within the financial institution's authorised strategy.
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b of appendix A to this section for facility-centered evaluation parts and retail lending assessment parts, and paragraph III.d of appendix A to this part for outdoor retail lending parts; and
(A) A lender could specify yearly measurable objectives for community progress loans, Neighborhood growth investments, or the two. The bank will have to foundation any annual measurable aims to be a share or ratio with the lender's Local community enhancement loans and Local community development investments for all or sure sorts of community advancement explained in § 228.
(A) A lender may perhaps request an alternate weighting system for combining performance underneath the applicable overall performance exams and optional evaluation components. In specifying alternative test weights for each relevant examination, a financial institution will have to emphasize retail lending, community improvement financing, or the two.
A lender may possibly specify alternate weights for averaging examination efficiency throughout assessment parts or other geographic parts. These option weights has to be based on the bank's capability and Neighborhood desires and chances in certain geographic locations.
means a loan, like a lawfully binding dedication to increase credit score, such as a standby letter of credit rating, that supports Group development, as explained in § 228.13. A Neighborhood growth loan does not involve any house mortgage loan loan thought of under the Retail Lending Take a look at in § 228.
For every key products line, a Borrower Group Benchmark, calculated pursuant to paragraph IV.c of appendix A to this part for facility-based mostly evaluation spots and retail lending assessment spots, and paragraph IV.e of click here appendix A to this element for out of doors retail lending places.
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