The Board evaluates a small lender's report of assisting to meet the credit score requirements of its overall Neighborhood pursuant to your Little Financial institution Lending Examination as presented in paragraph (a)(two) of the segment, unless the small lender opts to generally be evaluated pursuant on the Retail Lending Check in § 228.22.
(6) A map of each and every facility-primarily based assessment region and, as applicable, each retail lending assessment place exhibiting the boundaries of the region and pinpointing the census tracts contained in the region, both within the map or in a very separate listing; and
If a armed forces bank delineates the entire United states of america and its territories as its sole facility-dependent evaluation place pursuant to § 228.16(d), the Board evaluates the lender solely at the institution degree dependant on its overall performance in its sole facility-based mostly evaluation area.
In case the Board receives a community comment before the close day of a bank's CRA evaluation, the general public comment might be deemed in connection with that CRA examination.
If a bank recognized yearly measurable objectives and does not satisfy one or more of its satisfactory plans, the Board will look at the next aspects to ascertain the impact on a financial institution's CRA functionality evaluation:
) A Neighborhood advancement loan originated or ordered, or even a Local community advancement expenditure designed, including a legally binding determination to extend credit or a legally binding commitment to take a position, inside the calendar yr, as explained in paragraph I.a.1.i of appendix B to this part;
(6) A lender's shut-finish residence property finance loan lending, modest organization lending, little farm lending, or vehicle lending in distressed or underserved nonmetropolitan middle-profits census tracts in which a financial institution's nonmetropolitan facility-centered assessment location or nonmetropolitan retail lending evaluation region incorporates only a few or no minimal- and reasonable-earnings census tracts; and
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A large bank that had assets greater than $10 billion as of December 31 in equally on the prior two calendar several years have to obtain and preserve yearly, in Digital variety, as prescribed from the Board, until finally the completion of the lender's next CRA examination by which the info are evaluated, the greenback degree of its deposits in the county level dependant on deposit site.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(5) Are offered to more info college students or their family members through a university at which many pupils qualify without cost or lowered-price meals beneath the U.S. Department of Agriculture's Countrywide Faculty Lunch System;
Other than as usually furnished Within this segment, a bank should be certain that its community file consists of the information necessary by this segment for every of your prior 3 calendar years, with The newest calendar calendar year included in its file yearly by April one of the present calendar yr.
); the time period “uninsured Point out department” implies a Condition branch the deposits of which are not insured via the Federal Deposit Insurance policy Company; the phrase “restricted branch” indicates a State department that accepts only deposits which are permissible for a corporation structured under part 25A of your Federal Reserve Act (twelve U.S.C. 611 et seq.
(x) An indicator for whether the loan was to a company or farm for which gross once-a-year revenues are not acknowledged through the lender.