The Board testimonials the influence and responsiveness in the lender's community progress loans and Local community growth investments that reward or serve a Point out, as supplied in § 228.fifteen.
Pursuant to § 228.28 and appendix C to this aspect, the Board assigns conclusions to get a bank's Retail Companies and Goods Take a look at effectiveness in Just about every facility-centered evaluation region, State and multistate MSA, as applicable, and for that establishment.
컴퓨터 앞에 앉아 네이버를 이용하고 싶다면, 몇 가지 간단한 방법으로 네이버 웹사이트에 접속할 수 있습니다.
문화를 만들기 위한 네이버의 노력이오니 회원님의 양해와 협조 부탁드립니다.
A lender that been given a a lot less than “Satisfactory” establishment rating throughout its newest examination should incorporate in its community file a description of its latest endeavours to further improve its efficiency in helping to meet the credit score demands of its overall Local community.
(iii) A list demonstrating Every census tract during which the bank documented a small business enterprise loan or a little farm loan;
The Board's consideration from the branch distribution metrics is knowledgeable by the next benchmarks:
The loans, investments, providers, and merchandise of a bank's functions subsidiary needs to be A part of the financial institution's program, Unless of course the operations subsidiary is independently subject to CRA specifications.
The restricted goal bank's community growth financing functionality in all of its facility-centered evaluation places; and
) The number of retail banking expert services and retail banking products and solutions available by electronic shipping techniques as well as other shipping and delivery devices; and
Loans, investments, and services that guidance little enterprises or tiny farms in accordance with how compact organizations and compact farms are defined while in the relevant plan, program, or initiative, but excluding loans by a lender straight to modest firms or modest farms (both as defined in a govt prepare, program, or initiative or in § 228.
Any facility-based evaluation region, retail lending evaluation spot, outside retail lending space, or other geographic spot that will be evaluated in the absence of an approved prepare, but isn't A part of an approved system, will probably be evaluated pursuant into the functionality tests that might utilize within the absence of the accredited strategy.
(2) A home mortgage loan or a multifamily loan is located in the census tract wherever the assets securing the loan is found; and
signifies a channel click here by which banking companies offer retail banking solutions electronically, for example on line banking or cell banking.