228 loan Things To Know Before You Buy
228 loan Things To Know Before You Buy
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(ii) The retail banking solutions and retail banking merchandise requires of its facility-based evaluation locations and in the institution stage that happen to be protected with the strategy.
Aside from a little lender that opts to be evaluated pursuant to the Retail Lending Test in § 228.22, the Board assigns conclusions for your functionality of a small bank evaluated under this section as supplied in appendix E to this portion.
(B) The Board evaluates the little lender for your analysis time period previous the bank's upcoming CRA examination pursuant into the Retail Lending Examination in § 228.22 and proceeds evaluations below this overall performance take a look at for subsequent evaluation periods right until the financial institution opts out.
(i) Why the lender's organization product is outdoors the scope of, or inconsistent with, a number of elements of the performance exams that may use during the absence of an approved system;
(i) A financial institution may well integrate efficiency evaluation parts and accompanying annual measurable goals For added geographic spots but may well not get rid of the analysis of its effectiveness in almost any geographic region that would be included in its performance analysis while in the absence of the authorized program.
The Board weights the lender's overall performance score for your efficiency exams applicable to an intermediate bank as follows:
The Board's thought in the remote support facility distribution metrics is educated by the subsequent benchmarks:
The greenback quantity from the limited function bank's community progress loans and Local community improvement investments that benefit or provide the Condition or multistate MSA and an evaluation on the impression and responsiveness of Those people loans and investments, as delivered in § 228.15.
(i) All the data demanded for your bank's public file has to be preserved at the leading Business and, if an interstate lender, at one branch office in Every State; and
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The Board evaluates The supply and use of a financial institution's deposit products click here aware of the needs of lower- and average-revenue individuals, households, or homes as follows:
(ii) The Board considers an intermediate financial institution's community progress loans, community progress investments, and community growth solutions devoid of regard to whether the activity is manufactured in a number of of the financial institution's facility-dependent evaluation locations. The extent with the Board's thing to consider of community advancement loans, Local community enhancement investments, and Group improvement companies beyond the financial institution's facility-dependent evaluation spots will depend on the adequacy in the financial institution's responsiveness to Neighborhood growth demands and prospects in the financial institution's facility-based mostly assessment places and applicable efficiency context information.
A lender that's been approved for being evaluated underneath a strategic program must include things like in its public file a replica of that program though it truly is in effect. A financial institution needn't incorporate information submitted to your Board on a confidential foundation together with the prepare.