Community credit needs: hearings before the Subcommittee on Financial Institutions Supervision, Regulation and Insurance of the Committee on Banking, Finance and Urban Affairs, House of Representatives, Ninety-fifth Congress, second session, Parte 2U.S. Government Printing Office, 1978 |
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Outras edições - Ver tudo
Palavras e frases frequentes
ACORN alternative mortgage instruments American Bankers Association assessment assets bank's BELLER borrowers California Chairman ST GERMAIN Commerce Bancshares commercial banks Community Reinvestment Act Congress consumer cost credit needs credit unions deposits differential disintermediation Federal Home Loan Federal Reserve Board Federal Savings financial institutions fixed-rate funds Greater New York groups HMDA Home Loan Bank Home Mortgage Disclosure homeowners housing income increase industry inner city institution's insured interest rate investment KLAMAN legislation lenders loan associations Loan Bank Board Louis Manchester Bank meet the credit ment merger MILLIGAN million Moines Mortgage Disclosure Act mortgage lending mortgage loans mutual savings banks National neighborhood offer payment percent portfolio President problem proposed regulations real estate record redlining Regulation Q renters respondents revitalization ROUSSELOT S&Ls savings and loan savings associations subcommittee thrift institutions tion urban variable rate mortgage VRM's York Savings Bank
Passagens conhecidas
Página 1319 - What happens to a dream deferred? Does it dry up like a raisin in the sun ? Or fester like a sore — And then run ? Does it stink like rotten meat? Or crust and sugar over — like a syrupy sweet? Maybe it just sags like a heavy load. Or does it explode?
Página 907 - ... the convenience and needs of communities include the need for credit services as well as deposit services; and (3) regulated financial institutions have [a] continuing and affirmative obligation to help meet the credit needs of the local communities in which they are chartered.
Página 706 - Currency, the Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation, and the Federal Home Loan Bank Board...
Página 1428 - The Board of Governors of the Federal Reserve System, the Comptroller of the Currency, the Federal Home Loan Bank Board...
Página 708 - Saul B. Klaman, president of the National Association of Mutual Savings Banks.
Página 919 - CRA requires the appropriate federal supervisory authority to "assess an institution's record of meeting the credit needs of its entire community, including low- and moderateincome neighborhoods...
Página 1207 - ... multiplied by the number of years in the adjustment period. Maximum increase is 2.5 percent over the life of the loan; there is no maximum decrease. The minimum period for prepayment without penalty shall be 120 days after notification for these instruments. (d) Reverse-annuity mortgage. (1) Description. This instrument provides periodic payments to homeowners based on accumulated equity; the payments are made directly by the lender or through purchase of an annuity from an insurance company....
Página 958 - Currency with respect to national banks; (B) the Board of Governors of the Federal Reserve System with respect to State chartered banks which are members of the Federal Reserve System and bank holding companies; (C) the Federal Deposit Insurance Corporation with respect to State chartered banks and savings banks which are not members of the Federal Reserve System and the deposits of which are insured by the Corporation; and...
Página 1432 - Federal financial supervisory agency shall — (1) assess the institution's record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with the safe and sound operation of such institution...
Página 1431 - District bank, or (ii) of the Board of Governors of the Federal Reserve System if the acquiring, assuming, or resulting bank is to be a State member bank (except a District bank...