The Board evaluates a little lender's report of helping to meet the credit history demands of its total Neighborhood pursuant on the Smaller Bank Lending Take a look at as presented in paragraph (a)(2) of this segment, Except the modest financial institution opts being evaluated pursuant to the Retail Lending Check in § 228.22.
The bank need to consist of the penned notices in the public file inside three business enterprise days right after acquiring notification within the FFIEC of The supply in the disclosure statements.
Other than as otherwise furnished During this portion, a financial institution have to make sure its public file has the information needed by this segment for each in the previous 3 calendar a long time, with The newest calendar yr A part of its file every year by April 1 of the current calendar yr.
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
The Board evaluates a army lender pursuant on the relevant performance tests described in paragraph (a) of the part.
(i) All the data demanded with the bank's public file must be maintained at the leading Workplace and, if an interstate bank, at one branch Workplace in Every Point out; and
Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a financial institution's Retail Lending Take a look at conclusions into its Point out or multistate MSA scores, as applicable, and its institution score.
If an intermediate financial institution opts to become evaluated pursuant to your Local community Progress Funding Take a look at in § 228.24, the Board evaluates the intermediate bank for your analysis period preceding the lender's following CRA assessment pursuant for the Group Growth Funding Test in § 228.24 and continues evaluations pursuant to this effectiveness check for subsequent evaluation intervals right until the bank opts out.
The constrained objective bank's Neighborhood growth funding performance in all of its facility-based assessment places; and
In a facility-centered assessment area or outside retail lending space, a product line is a major product or service line If your financial institution's loans in that solution line comprise fifteen % or more on the bank's loans throughout all the financial institution's product strains in the ability-centered assessment location or exterior retail lending place, as established pursuant to paragraph II.b.1 of appendix A to this portion.
(five) Are offered to learners or their households via a college at which nearly all pupils qualify at no cost or decreased-price tag foods under the U.S. Office of Agriculture's Countrywide University Lunch Method;
For residence mortgage loan loans, the bank will have to establish the home mortgage loan loans reported by its functions subsidiary beneath twelve CFR portion 1003, if applicable, or collect and manage knowledge on residence mortgage loans by its operations subsidiary which the financial institution would have collected and managed pursuant to paragraph (a)(3) of the section had the lender originated or purchased the loans.
(B) The Nationwide Local community Growth Expenditure Benchmark measures the greenback volume of Group growth investments that advantage or provide all or Component of the nationwide location, excluding home loan-backed securities, of all significant depository institutions that had belongings better than $ten billion as of December 31 in each with more info the prior two calendar many years compared to deposits located in the nationwide area for anyone depository institutions, calculated pursuant to paragraph II.n of appendix B to this element.
A big bank must obtain and keep in electronic variety, as prescribed because of the Board, right up until completion on the bank's next CRA assessment during which the info are evaluated, the next data with regard to retail banking companies and retail banking goods offered and supplied by the bank all through Every single calendar year: