The Board evaluates a small financial institution's file of helping to satisfy the credit requirements of its full Neighborhood pursuant for the Compact Lender Lending Test as supplied in paragraph (a)(two) of the portion, Unless of course the little bank opts being evaluated pursuant into the Retail Lending Check in § 228.22.
The Board encourages conversation concerning customers of the public and banks, together with by users of the public publishing prepared general public remarks concerning Group credit score needs and chances as well as a financial institution's document of assisting to meet Local community credit demands.
Aside from a little financial institution that opts to get evaluated pursuant on the Retail Lending Test in § 228.22, the Board assigns conclusions for that general performance of a little financial institution evaluated beneath this area as presented in appendix E to this aspect.
인터넷이라는 광활한 바다를 항해하며 정보의 보고를 찾는 우리에게 네이버는 든든한 나침반이자, 탐험의 동반자와 같습니다. 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버는 우리 일상의 거의 모든 영역에 깊숙이 스며들어 있습니다.
The Board evaluates a armed forces lender pursuant towards the relevant functionality assessments described in paragraph (a) of this segment.
(ii) If a large bank is just not subject to reporting below 12 CFR portion 1003 as a consequence of the location of its branches, but would in any other case meet up with the house Home finance loan Disclosure Act (HMDA) sizing and lending exercise requirements pursuant to twelve CFR section 1003, the lender will have to collect and preserve, in Digital variety, as prescribed by the Board, till the completion in the bank's next CRA evaluation during which the data are evaluated, the following details, for every closed-end dwelling house loan loan, excluding multifamily loans, originated or purchased through the analysis interval:
(6) A bank's shut-end house mortgage loan lending, tiny small business lending, modest farm lending, or vehicle lending in distressed or underserved nonmetropolitan Center-cash flow census tracts wherever a financial institution's nonmetropolitan facility-based mostly assessment area or nonmetropolitan retail lending evaluation spot involves only a few or no reduced- and average-profits census tracts; and
If an intermediate lender opts for being evaluated pursuant into the Community Growth Funding Check in § 228.24, the Board evaluates the intermediate lender for the evaluation period of time previous the bank's up coming CRA evaluation pursuant to the Community Advancement Funding Exam in § 228.24 and continues evaluations pursuant to this functionality test for subsequent evaluation intervals until the lender opts out.
signifies a loan to one or more people today for residence, household, or other personal expenses Which is among the following varieties of loans:
The Board evaluates the availability and responsiveness of a bank's electronic shipping devices and other delivery units, together with to minimal- and average-money people today, people, or homes on the institution amount by looking at:
(B) A lender in addition to a substantial bank could include things like a Group progress expert services element and accompanying yearly measurable ambitions in its strategy.
Apart from as usually furnished in this segment, a bank must make sure that its general public file contains the knowledge essential by this area for each of the former 3 calendar a long time, with the most recent calendar year included in its file each year by April 1 of the present calendar calendar year.
(B) The Nationwide Local community Growth Financial investment Benchmark steps the greenback volume of community development investments that reward or serve all or Portion of the nationwide space, excluding home finance loan-backed securities, of all huge depository click here institutions that experienced assets better than $10 billion as of December 31 in both on the prior two calendar many years compared to deposits located in the nationwide place for those depository institutions, calculated pursuant to paragraph II.n of appendix B to this aspect.
(three) The lender may well not declare Local community progress loans or Local community progress investments accounting for in excess of its proportion share (based upon the level of its participation or investment decision) of the entire loans or investments made by the consortium or 3rd party.