About 228 loan
About 228 loan
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The Board may well think about a financial institution's Local community growth loans, Neighborhood enhancement investments, and Local community improvement solutions provided beyond its facility-based mostly assessment spots, as presented On this component.
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(ii) A lot more than fifty % with the venture is non-residential as calculated by the percentage of whole sq. footage or greenback quantity of the undertaking.
(six) A financial institution's shut-stop home property finance loan lending, small organization lending, tiny farm lending, or car lending in distressed or underserved nonmetropolitan Center-money census tracts wherever a bank's nonmetropolitan facility-dependent evaluation spot or nonmetropolitan retail lending evaluation area incorporates only a few or no very low- and moderate-revenue census tracts; and
suggests retail economic products and services furnished by a bank to consumers, tiny corporations, or modest farms and involve a bank's techniques for delivering retail monetary expert services.
The Retail Lending Take a look at evaluates a bank's document of helping to meet up with the credit history wants of its overall community with the bank's origination and purchase of car loans If your lender is really a greater part vehicle lender.
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(B) For each of a bank's facility-based evaluation spots inside of a nonmetropolitan space, the Nonmetropolitan Nationwide Neighborhood Growth Financing Benchmark measures the dollar quantity of community development loans and Group enhancement investments that advantage or provide nonmetropolitan spots from the nationwide area for all large depository establishments as compared to deposits situated in nonmetropolitan regions while in the nationwide location for all large depository establishments.
(1) Consideration on the dollar volume in the restricted goal bank's community improvement loans and community growth investments that gain or serve the facility-based assessment area; and
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In the time period of the plan, a bank will have to submit towards the Board for approval an amendment to its plan if a material alter in situations:
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The Board evaluates a lender's retail banking goods supplied from the lender's facility-centered evaluation areas and nationwide, as applicable, in the institution degree as follows: