The Board evaluations the effects and responsiveness of the financial institution's Group advancement loans and community enhancement investments that reward or provide a State, as furnished in § 228.fifteen.
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(1) Any details about a lender's institutional ability or constraints, such as the size and financial problem from the bank, security and soundness limits, or another lender-precise factors that noticeably impact the bank's power to offer retail lending, retail banking products and services and retail banking goods, Neighborhood enhancement loans, community progress investments, or Local community development providers;
In Just about every relevant Retail Lending Examination Place, the Board evaluates originated and purchased loans in Just about every of the next products lines That could be a big merchandise line, as explained in paragraph (d)(two) of the segment:
The Board may approve a strategy right after thinking about the criteria in paragraph (h)(three) of this part and if it determines the lender has delivered sufficient justification for that program and every element of the prepare as required in paragraph (d) of this area.
In thinking of CRA overall performance within an application described in paragraph (a) of this area, the Board takes into consideration any views expressed by fascinated events which can be submitted in accordance While using the Board's Procedures of Method established forth in 12 CFR component 262.
The CRA and this part never require a lender to originate or invest in loans or investments or to provide companies that are inconsistent with Risk-free and audio banking tactics, such as underwriting expectations.
For a significant bank needed to report house home loan loan knowledge pursuant to twelve CFR component 1003, the Board will publish about the Board's website the data required by paragraph (j)(two) of this area in regards to the distribution of a big financial institution's originations and apps of residence home finance loan loans by borrower or applicant profits level, race, and ethnicity in Each and every of the financial institution's facility-based assessment regions, and as applicable, its retail lending evaluation locations. This info is posted every year based upon knowledge noted pursuant to 12 CFR aspect 1003.
The greenback volume of the minimal purpose bank's community growth loans and community enhancement investments that profit or serve the State or multistate MSA 228 loan and an evaluation in the influence and responsiveness of Those people loans and investments, as delivered in § 228.fifteen.
구글이나 빙 등 다른 검색 엔진을 사용하고 있다면, 검색창에 "네이버"를 입력하고 검색하면 네이버 홈페이지를 바로 찾아볼 수 있습니다.
(A) A financial institution may specify once-a-year measurable targets for community enhancement loans, Local community improvement investments, or both. The financial institution need to foundation any annual measurable plans being a share or ratio on the bank's Local community development loans and Local community development investments for all or selected varieties of Local community improvement explained in § 228.
) Any rise in the calendar year to an present Local community advancement loan which is refinanced or renewed or to an existing Group progress financial investment that is certainly renewed;
(ii) The Board considers an intermediate financial institution's Group growth loans, Group progress investments, and community progress companies with out regard to if the exercise is created in a number of of the financial institution's facility-based assessment regions. The extent of the Board's thought of Local community enhancement loans, community growth investments, and Local community development companies beyond the financial institution's facility-dependent evaluation areas will depend on the adequacy in the financial institution's responsiveness to Neighborhood growth desires and alternatives in the lender's facility-based mostly assessment parts and relevant general performance context details.
(i) Everything of just one MSA (utilizing the MSA boundaries that were in influence as of January one on the calendar year through which the delineation applies), excluding any counties In the huge lender's facility-based assessment parts; or