228 loan - An Overview
228 loan - An Overview
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(6) A map of each and every facility-dependent assessment place and, as relevant, Every single retail lending assessment space demonstrating the boundaries of the world and identifying the census tracts contained in the area, possibly within the map or inside a different list; and
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(i) The number and proportion of originations and applications of the big bank's house house loan loans by borrower or applicant income level, race, and ethnicity;
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(A) Combines the general performance scores for each supporting conclusion for every major solution line into an item line rating; and
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(B) In just 5 calendar times of the ask for, all the knowledge which the lender is necessary to take care of below this part in the general public file relating to the facility-based mostly assessment place wherein the department is situated.
Inside a facility-dependent assessment space or exterior retail lending location, a product line is 228 loan a major solution line In the event the financial institution's loans in that merchandise line comprise 15 % or even more of your bank's loans across each of the financial institution's product traces in the ability-primarily based assessment area or outside the house retail lending location, as decided pursuant to paragraph II.b.one of appendix A to this component.
The Board evaluates the report of an intermediate lender, or a small lender that opts to be evaluated under the Retail Lending Exam, of helping to fulfill the credit rating requirements of its entire Group in its outside the house retail lending region pursuant to § 228.22, for a selected calendar yr, if:
The Board considers the weighted regular from the general performance scores similar to the lender's conclusions for that Neighborhood Advancement Funding Take a look at for its facility-dependent assessment areas throughout the nationwide spot, calculated pursuant to segment IV of appendix B to this section.
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(x) An indicator for whether or not the loan was to a company or farm for which gross once-a-year revenues are not known by the lender.