The Board evaluates a little bank's report of helping to fulfill the credit score requires of its entire Neighborhood pursuant towards the Compact Financial institution Lending Check as furnished in paragraph (a)(2) of this area, Unless of course the small lender opts to generally be evaluated pursuant to the Retail Lending Test in § 228.22.A fina

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(ii) The creditor determines at or prior to consummation that The buyer might make most of the scheduled payments under the terms in the authorized obligation, as explained in paragraph (f)(1)(iv) of this section, together with The customer’s regular monthly payments for all home loan-linked obligations and excluding the balloon payment, from The

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