A bank may possibly put together a single prepare or different designs for its facility-based evaluation areas, retail lending evaluation spots, outdoors retail lending place, or other geographic spots that could be evaluated during the absence of the accredited prepare.
A bank required to report household mortgage loan details pursuant to 12 CFR part 1003 need to include in its public file a penned observe the financial institution's HMDA Disclosure Assertion could be attained on the Consumer Money Protection Bureau's (CFPB's) Internet site at:
관심 분야의 기사, 블로그 콘텐츠부터 숏폼, 쇼핑까지 다양한 콘텐츠를 이용할 수 있습니다.
The Board takes advantage of the retail lending evaluation places delineated by a sizable lender in its analysis of the financial institution's closed-close property home finance loan lending and smaller enterprise lending performance Except if the Board determines that the retail lending assessment places do not adjust to the requirements of the section.
(v) To acquire possession or control of shares or all or significantly all of the belongings of the savings Affiliation, to induce a cost savings Affiliation to be a subsidiary of a discounts and loan Keeping organization, or to merge or consolidate a financial savings and loan Keeping firm with every other savings and loan holding company in a very transaction that requires approval less than area ten of the Home Owners' Loan Act (12 U.S.C. 1467a).
means a business, besides a farm, that experienced gross once-a-year revenues for its preceding fiscal calendar year of $5 million or less.
이 글에 공감한 블로거 열고 닫기 댓글 쓰기 이 글에 댓글 단 블로거 열고 닫기
For a sizable bank needed to report household property finance loan loan information pursuant to twelve CFR aspect 1003, the Board will publish on the Board's website the information demanded by paragraph (j)(2) of this section concerning the distribution of a large lender's originations and apps of property property finance loan loans by borrower or applicant revenue amount, race, and ethnicity in each from the lender's facility-dependent assessment locations, and as relevant, its retail lending assessment areas. This information and facts is posted per year determined by data described pursuant click here to 12 CFR section 1003.
(five) A listing of retail banking providers (such as hrs of Procedure, readily available loan and deposit items, and transaction service fees) typically made available in the lender's branches and descriptions of fabric variations in The supply or cost of products and services at specific branches, if any.
The lender will have to post its draft decide to the Board a minimum of 90 times previous to the proposed successful date from the approach. The lender have to also submit with its draft program:
The Board evaluates an intermediate financial institution's file of helping to meet the credit needs of its entire Group pursuant to your Retail Lending Exam in § 228.
(B) The Nationwide Asset-Primarily based Neighborhood Development Expenditure Benchmark steps the greenback quantity of Group growth investments that benefit or serve all or Section of the nationwide space, excluding mortgage loan-backed securities, of all depository institutions that experienced assets increased than $ten billion as of December 31 in both equally of the prior two calendar many years, when compared with belongings for people depository establishments, calculated pursuant to paragraph III.e of appendix B to this aspect.
(i) Impedes its ability to perform in a satisfactory degree beneath the program, including money constraints brought on by considerable occasions that effects the nearby or national overall economy; or
The lender will provide you with a document that outlines most of the phrases on the loan staying offered. The information presented will involve the costs and charges that you'll be liable for.