indicates credit history and deposit products and solutions or systems that facilitate a lending or depository relationship involving the financial institution and consumers, tiny organizations, or smaller farms.
The Board evaluates a lender's branch availability and expert services in a very facility-dependent evaluation area depending on the subsequent:
The Board premiums the overall performance of an intermediate financial institution evaluated beneath this portion as furnished in appendix D to this part.
The Board publishes on its general public Web-site, at the least 30 days beforehand of the start of each calendar quarter, a listing of banking companies scheduled for CRA examinations for the subsequent two quarters.
(ix) An indicator for whether the loan was to a business or farm with gross annual revenues increased than $1 million; and
(i) All the data necessary to the financial institution's community file have to be taken care of at the leading Business and, if an interstate lender, at just one branch Place of work in Every single Condition; and
Reviews or questions on doc content material can not be answered by OFR personnel. Be sure to don't give private information and facts or individual data.
(ii) Any county in a very nonmetropolitan spot wherein the financial institution did not originate or acquire any closed-conclude household home finance loan loans, smaller small business loans, little farm loans, or auto loans if car loans are an item line for your lender.
Topic for the geographic needs in paragraph (b) of this section, a large lender ought to delineate, for a certain calendar yr, a retail lending assessment location in any MSA or during the nonmetropolitan place of any Condition during which it originated:
The Board might alter a minimal intent bank's institution rating from “Satisfactory” to “Exceptional” wherever a lender requests and gets more thing to consider for services that would qualify under the Community Improvement Solutions Check in § 228.25.
For each of the massive financial institution's facility-dependent assessment locations, and as relevant, its retail lending evaluation places, the Board publishes within the Board's Site:
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
A lender have to incorporate in click here its prepare a target the credit score needs of its full Local community, like minimal- and average-money persons, households, or homes, lower- and moderate-profits census tracts, and tiny companies and small farms. The financial institution should explain how its program is conscious of the attributes and credit history demands of its facility-based mostly evaluation regions, retail lending evaluation places, outside the house retail lending spot, or other geographic areas served because of the bank, looking at public comment as well as bank's capability and constraints, product offerings, and small business strategy. As applicable, a bank have to specify factors in its plan for helping to meet:
(ii) In the event the Board, the FDIC, and the OCC establish that a loan or investment decision is now not eligible for Local community improvement thought, the operator from the loan or financial investment at time with the dedication will continue on to acquire community growth thought with the remaining term or period of the loan or expenditure.