The Board evaluates a bank's retail banking solutions offered in the bank's facility-centered evaluation regions and nationwide, as relevant, in the establishment amount as follows:
The Board considers community development loans and Local community progress investments allotted pursuant to paragraph I.b of appendix B to this section.
(ii) If a large lender is now not required to delineate a retail lending evaluation area Beforehand discovered from the system due to not meeting the needed retail lending evaluation location thresholds pursuant to § 228.
(B) Except as provided in § 228.fifty one(e), a significant financial institution having a combined complete of 10 or even more facility-primarily based evaluation areas and retail lending evaluation regions in almost any State or multistate MSA, as applicable, or for that institution might not receive a score of “Satisfactory” or “Outstanding” in that State or multistate MSA, as applicable, or to the establishment, Unless of course the financial institution gets an overall conclusion of a minimum of “Low Satisfactory” in 60 % or even more of the entire variety of its facility-centered evaluation spots and retail lending assessment areas in that State or multistate MSA, as relevant, or for the institution.
네이버 검색창에 원하는 키워드를 입력하면 관련 정보를 빠르게 찾아볼 수 있습니다.
In considering CRA overall performance in an software explained in paragraph (a) of the segment, the Board takes into consideration any sights expressed by interested functions which are submitted in accordance With all the Board's Guidelines of Course of action established forth in 12 CFR portion 262.
스팸 게시물이 확대 생성되는 것을 방지하기 위하여 문구 및 사용 제한기간을
The loans, investments, expert services, and products and solutions of the bank's operations 228 loan subsidiary have to be included in the bank's program, Until the functions subsidiary is independently matter to CRA necessities.
signifies a lender, excluding a lender selected being a constrained objective bank pursuant to § 228.26, that experienced property of at the least $two billion as of December 31 in both of those from the prior two calendar many years. The Board adjusts and publishes the determine in this definition every year, based upon the calendar year-to-yr change in the average of the Consumer Price Index for City Wage Earners and Clerical Personnel, not seasonally altered, for each 12-month period of time ending in November, with rounding to the closest million.
A lender could submit added information towards the Board on a confidential foundation, however the ambitions said during the prepare needs to be sufficiently unique to help the public along with the Board to evaluate the merits in the program.
To receive a designation for a constrained intent bank, a bank should file a published ask for Using the Board at the least ninety days ahead of the proposed effective day of your designation.
The Board evaluates a restricted goal financial institution's Group development financing efficiency in a very facility-based mostly assessment place and assigns a conclusion in the ability-dependent evaluation region determined by the Board's:
A sizable lender plus a restricted intent bank that may be a big financial institution depending on the asset dimension explained during the definition of a big lender have to collect and report back to the Board yearly by April one a summary of Every single facility-based mostly evaluation region exhibiting the States, MSAs, and counties in the power-primarily based assessment spot, as of December 31 of the prior calendar year or the last date the ability-dependent evaluation region was in result, provided the facility-based mostly evaluation area was delineated for a minimum of 6 months of your prior calendar year.
A bank which has been accredited being evaluated underneath a strategic program should include in its general public file a copy of that plan though it can be in result. A bank needn't consist of information submitted to your Board on the private basis at the side of the system.