A lender may well specify option weights for averaging exam effectiveness across assessment places or other geographic regions. These alternative weights has to be based on the financial institution's capacity and Group requires and alternatives in particular geographic regions.
(two) A retail lending evaluation location might not lengthen outside of a Condition boundary Except if the retail lending assessment spot consists of counties in a very multistate MSA.
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(A) The Board considers the digital shipping and delivery devices together with other supply devices of the subsequent banks:
A bank subject matter to knowledge reporting specifications pursuant to § 228.forty two need to contain in its community file a penned discover the CRA Disclosure Statement pertaining into the lender, its operations subsidiaries, and its other affiliates, if applicable, might be acquired about the FFIEC's Site at:
(B) The effectiveness from the lender's methods for providing retail banking solutions and the availability and responsiveness with the bank's retail banking products and solutions, pursuant to § 228.23, as applicable;
A considerable lender must collect and sustain in electronic variety, as prescribed by the Board, right until the completion in the lender's future CRA examination during which the information are evaluated, the following details for each compact company loan or small farm loan originated or procured via the financial institution through the evaluation period of time:
(three) The variety and dollar quantity of compact enterprise loans and smaller farm loans Positioned inside of Each and every facility-centered assessment area and retail lending evaluation spot documented with the bank plus the range and dollar quantity of compact business loans and modest farm loans located outside of the power-based assessment places and retail lending evaluation locations noted with the financial institution; and
The Board might modify a minimal purpose financial institution's institution score from “Satisfactory” to “Remarkable” where by a lender requests and gets further thought for services that might qualify beneath the Local community Progress Services Take a look at in § 228.twenty five.
For the confined goal financial institution that experienced belongings greater than $10 billion as of December 31 in both with the prior two calendar years, the more info Restricted Goal Financial institution Community Development Expense Metric actions the dollar volume on the bank's Local community development investments that benefit or provide all or part of the nationwide location, excluding home finance loan-backed securities, in comparison to the bank's belongings, calculated pursuant to paragraph III.d of appendix B to this section.
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(ii) The variety and percentage of originations and programs of combination property finance loan lending of all lenders reporting HMDA information in the facility-based evaluation region and as applicable, the retail lending evaluation spot; and
(ii) In the event the Board, the FDIC, and also the OCC establish that a loan or investment decision is no more suitable for community progress thing to consider, the owner with the loan or investment at time with the determination will proceed to get Local community development consideration for your remaining time period or duration of the loan or investment decision.