228 loan - An Overview
228 loan - An Overview
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(6) A map of each facility-primarily based assessment region and, as relevant, Each and every retail lending evaluation region displaying the boundaries of the world and identifying the census tracts contained in the area, both over the map or in a independent listing; and
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. Additionally, Should the Board regarded the house mortgage loan lending of the bank's functions subsidiaries or, in a bank's election, the Board regarded the house home loan lending of other financial institution affiliate marketers, the financial institution must incorporate in its general public file the names from the operations subsidiaries along with the names of your affiliate marketers and a composed see which the functions subsidiaries' as well as other affiliates' HMDA Disclosure Statements might be obtained in the CFPB's Site.
(two) A nonmetropolitan Center-income census tract is selected as underserved if it meets the criteria for population sizing, density, and dispersion that indicate the area's inhabitants is adequately modest, skinny, and distant from a populace Middle that the census check here tract is likely to acquire issue funding the preset costs of Conference critical Local community desires.
(iii) A listing displaying Every census tract wherein the financial institution noted a small business enterprise loan or a little farm loan;
The Board's thought on the branch distribution metrics is educated by the subsequent benchmarks:
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The Board assigns conclusions for your efficiency of a lender functioning less than a strategic approach pursuant to § 228.
A small financial institution, or a lender which was a little bank during the prior calendar year, will have to consist of in its public file the lender's loan-to-deposit ratio for every quarter with the prior calendar calendar year and, at its alternative, more information on its loan-to-deposit ratio.
(B) For big banks that had assets under or equal to $10 billion as of December 31 in both on the prior two calendar yrs, the Board considers a lender's deposit products only in the bank's alternative.
(B) A lender may specify making use of property in its place denominator for a Neighborhood growth funding metric if it much better actions a financial institution's ability.
The Board considers the weighted average with the effectiveness scores akin to the bank's Group Growth Funding Examination conclusions for its facility-based evaluation places throughout the multistate MSA, calculated pursuant to section IV of appendix B to this section.