This element isn't going to implement to banks that don't accomplish business or retail banking products and services by granting credit rating to the public within the everyday training course of enterprise, apart from as incident to their specialised operations and completed on an accommodation basis.
Just a financial institution that is certainly an affiliate of a holding enterprise should incorporate another to the final sentence of your notices. A financial institution need to contain the final sentence from the notices only whether it is an affiliate of a Keeping firm that is not prevented by statute from attaining more depository institutions.
The Board evaluates a confined purpose bank's Neighborhood growth funding performance in Each and every Condition or multistate MSA, as applicable pursuant to §§ 228.
(B) The Board evaluates the compact financial institution to the analysis time period previous the financial institution's future CRA assessment pursuant to the Retail Lending Exam in § 228.22 and continues evaluations under this performance test for subsequent analysis periods right until the bank opts out.
) A summary of the geographic areas served because of the community enhancement loan or community growth expenditure, specifying any county, Point out, multistate MSA, or nationwide location served; and
(iii) A listing displaying Each and every census tract in which the financial institution claimed a small business enterprise loan or a small farm loan;
indicates a financial institution's loans in a single of the subsequent, separate categories in a specific Retail Lending Take a look at Area:
Purchases of property finance loan-backed securities the place a vast majority with the fundamental loans usually are not loans which the lender originated or acquired and:
In assigning Retail Lending Exam conclusions for your State pursuant to § 228.22(h), the Board does not take into consideration a lender's routines to become in the Condition if These things to do happen in a retail lending evaluation region consisting of counties in multiple State.
네이버는 블로그를 통해 저작물이 무단으로 공유되는 것을 막기 위해, 저작권을 침해하는 컨텐츠가 포함되어 있는 게시물의 경우 주제 분류 기능을 제한하고 있습니다.
(A) A bank may perhaps specify yearly measurable ambitions for community enhancement loans, Local community advancement investments, or each. The lender have to base any yearly measurable objectives like a proportion or ratio from the lender's Neighborhood development loans and Local community improvement investments for all or selected varieties of Group growth explained in § 228.
A considerable lender should acquire and report back to the Board per year by April one an index of each retail lending assessment region displaying the States, MSAs, and counties inside the retail lending assessment location to the prior calendar 12 months.
For vehicle loans, the Board compares a bank's geographic and borrower distributions more info to the applicable community benchmarks, as furnished in paragraph (f) of this part and segment VI of appendix A to this aspect.
(1) For banking institutions that keep a web site, all info required for the bank's general public file less than this portion needs to be preserved to the bank's website.