(1) Info indicating that a financial institution ordered closed-stop household home loan loans, tiny enterprise loans, tiny farm loans, or vehicle loans for the only or Key objective of inappropriately maximizing its retail lending overall performance, together with, although not restricted to, data indicating subsequent resale of these loans or any indicator that such loans are actually thought of in numerous depository establishments' CRA evaluations, during which circumstance the Board would not consider these types of loans within the financial institution's functionality analysis;
(E) Allocation of your greenback level of the Neighborhood development loan or Local community enhancement expenditure to geographic spots served because of the loan or investment:
signifies the general performance of volunteer providers by a lender's or its affiliate's board users or workers, executed on behalf in the lender, in which Those people providers:
The Board publishes on its general public Internet site, a minimum of thirty times in advance of the start of each and every calendar quarter, a list of banking institutions scheduled for CRA examinations for the subsequent two quarters.
(two) A nonmetropolitan Center-profits census tract is designated as underserved if it satisfies the criteria for population dimensions, density, and dispersion that indicate the realm's populace is sufficiently modest, slender, and distant from a inhabitants Heart which the census tract is probably going to have trouble financing the mounted charges of Assembly necessary Neighborhood needs.
The Board considers the weighted typical on the general performance scores comparable to the lender's Local community Improvement Financing Take a look at conclusions for its facility-based mostly evaluation locations in the Point out, pursuant to segment IV of appendix B to this element.
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) Large banks that experienced assets less than or equivalent to $ten billion as of December 31 228 loan in either on the prior two calendar a long time and that do not work branches.
(5) Facts and information provided by the bank regarding the financial institution's company approach and item offerings;
네이버는 블로그를 통해 저작물이 무단으로 공유되는 것을 막기 위해, 저작권을 침해하는 컨텐츠가 포함되어 있는 게시물의 경우 주제 분류 기능을 제한하고 있습니다.
(B) A financial institution besides a sizable financial institution may perhaps include a Local community development companies ingredient and accompanying once-a-year measurable targets in its system.
The outside retail lending region is comprised of component geographic parts. A ingredient geographic place is any MSA or perhaps the nonmetropolitan location of any Condition, or part thereof, involved in the surface retail lending space.
Pursuant to § 228.28 and appendix C to this section, the Board assigns conclusions for just a financial institution's Neighborhood Advancement Solutions Test overall performance in Just about every facility-based evaluation location, Every Point out or multistate MSA, as applicable, and for that establishment.
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