) Neighborhood development loan or community development investment element, for example the specific kind of financing and type of entity supported (
The Board may perhaps regulate the ranking of an intermediate financial institution evaluated as provided in paragraph (a)(two) of this part from “Satisfactory” to “Fantastic” within the establishment stage where by the lender requests and gets additional consideration for actions that may qualify pursuant for the Retail Companies and Products and solutions Take a look at in § 228.23.
) The number of examining and personal savings accounts opened digitally and through other supply programs by census tract earnings stage for each calendar yr; and
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
A lender that acquired a lower than “Satisfactory” establishment rating for the duration of its most recent evaluation will have to include things like in its general public file a description of its latest endeavours to improve its performance in helping to meet the credit requires of its entire community.
(ii) If a big financial institution just isn't topic to reporting under 12 CFR component 1003 as a consequence of The placement of its branches, but would normally fulfill the house Mortgage Disclosure Act (HMDA) dimensions and lending action necessities pursuant to twelve CFR aspect 1003, the lender will have to obtain and maintain, in electronic form, as prescribed by the Board, until eventually the completion from the lender's following CRA assessment by which the info are evaluated, the next facts, for each shut-stop household mortgage loan, excluding multifamily loans, originated or acquired through the evaluation time period:
(six) A lender's closed-conclude household mortgage lending, compact business enterprise lending, small farm lending, or auto lending in distressed or underserved nonmetropolitan Center-cash flow census tracts the place a bank's nonmetropolitan facility-based evaluation space or nonmetropolitan retail lending assessment location consists of very few or no very low- and moderate-profits census tracts; and
These 228 loan disclosure statements suggest the amount and greenback level of all smaller organization loans and smaller farm loans originated or purchased for each census tract and also the number and dollar number of all Local community enhancement loans and Neighborhood growth investments for every county by reporting financial institutions, apart from that the Board could adjust the shape in the disclosure if required, as a result of special situations, to safeguard the privacy of the borrower or even the aggressive place of a lender.
) The excellent harmony of the Neighborhood progress loan originated, obtained, refinanced, or renewed in previous several years or Group growth investment decision made or renewed in preceding years, as of December 31 for each and every year which the loan or expense stays on the bank's stability sheet; or
) The selection of retail banking expert services and retail banking products supplied by electronic supply systems together with other supply systems; and
A lender ought to specify in its system how all aspects of a plan covered in paragraphs (g)(one) by (5) of the part, at the side of another relevant effectiveness exams not A part of an accredited strategic program, ought to be thought of to assign:
The Board evaluates The provision and usage of the bank's deposit items responsive to the wants of low- and reasonable-cash flow folks, family members, or households as follows:
(B) A considerable bank may well modify the Retail Providers and Products and solutions Check by eradicating a component with the test.
A bank have to manage a public file, in both paper or electronic structure, that includes the next details: