A lender may prepare a single plan or independent plans for its facility-centered assessment areas, retail lending assessment parts, exterior retail lending location, or other geographic places that might be evaluated inside the absence of an approved prepare.

(ii) The retail banking products and services and retail banking products and solutions demands of its facility-dependent evaluation locations and for the establishment amount that happen to be included with the prepare.

관심 분야의 기사, 블로그 콘텐츠부터 숏폼, 쇼핑까지 다양한 콘텐츠를 이용할 수 있습니다.

(i) The selection and percentage of originations and apps of the big financial institution's property home loan loans by borrower or applicant earnings stage, race, and ethnicity;

A bank that acquired a fewer than “Satisfactory” institution rating all through its most recent examination have to include in its public file a description of its latest endeavours to further improve its overall performance in helping to satisfy the credit score demands of its full Group.

In looking at CRA effectiveness in an software explained in paragraph (a) of this section, the Board requires into account any views expressed by intrigued functions which might be submitted in accordance with the Board's Policies of Treatment established forth in twelve CFR component 262.

네이버 아이디 또는 개인정보가 포함된 문자 사용은 피해주세요. 블로그 도움말에서 아이디 변경 유의사항을 확인해보세요. 나중에 할게요

) Huge financial institutions that experienced property fewer than or equal to $ten billion as of December 31 in either of your prior two calendar yrs and that do not run branches.

The Board evaluations the affect and responsiveness in the lender's Local community improvement loans and community advancement investments that gain or provide a multistate MSA, as presented in § 228.fifteen.

(i) All the data demanded for the lender's general public file should be maintained at the primary Place of work and, if an interstate financial institution, at 1 department Business in Just about every Point out; and

The Board evaluates an intermediate bank's document of assisting to meet up with the credit history demands of its overall Local community pursuant to the Retail Lending Exam in § 228.

The Board considers the weighted normal in the performance scores comparable to the bank's Community Improvement Solutions Test conclusions for its facility-based mostly assessment places inside of a Condition, multistate MSA, or even the institution pursuant to part IV of appendix B to this part.

A substantial bank along with a restricted intent lender that could be a big lender determined by the asset dimension explained within the definition of a big lender should accumulate and report back to the Board every year by April 1 a listing of Every single facility-based evaluation location demonstrating the States, MSAs, and get more info counties in the facility-primarily based assessment place, as of December 31 of the prior calendar yr or the last date the ability-centered assessment spot was in outcome, supplied the facility-primarily based assessment spot was delineated for a minimum of 6 months of your prior calendar calendar year.

indicates a channel through which banks provide retail banking expert services electronically, such as on-line banking or mobile banking.