The Board may alter a small lender score from “Satisfactory” to “Exceptional” on the establishment amount the place the financial institution requests and gets additional thought for pursuits that would qualify pursuant to your Retail Companies and Solutions Examination in § 228.
A bank should make available to the general public for inspection, on request and for free of charge, the information essential in this area as follows:
Except for a little bank that opts to become evaluated pursuant to the Retail Lending Exam in § 228.22, the Board assigns conclusions for your performance of a small bank evaluated under this area as delivered in appendix E to this component.
(two) A replica of the general public portion from the lender's most recent CRA efficiency evaluation ready from the Board. The bank will have to incorporate this duplicate in the general public file within just thirty company times immediately after its receipt from the Board;
(A) The Board considers the digital shipping and delivery techniques and other shipping methods of the subsequent financial institutions:
A lender issue to this section may possibly ask for the Board validate that a loan, investment decision, or services is qualified for Group growth consideration by distributing a ask for to, and in a structure prescribed by, the Board.
suggests a bank's loans in one of the following, independent groups in a particular Retail Lending Check Spot:
Revitalization or stabilization comprises actions that assist revitalization or stabilization of specific census tracts, which includes adaptive reuse of vacant or blighted structures, brownfield redevelopment, assistance of the prepare for a company improvement district or major street application, or some other exercise that supports revitalization or stabilization, Which:
The Bank Assessment Spot Local community Enhancement Funding Metric steps the greenback quantity of the financial institution's Local community enhancement loans and community improvement investments that profit or serve a facility-based mostly assessment spot when compared with deposits within the bank that can be found in the ability-based mostly evaluation place, calculated pursuant to paragraph II.a of appendix B to this component.
(B) For a significant lender that experienced property fewer than or equivalent $ten billion as of December 31 in both of your prior two calendar years and that operates a minimum of one particular department, the Board considers the financial institution's digital shipping techniques and various supply units at the bank's option.
(A) A lender may perhaps specify yearly measurable objectives for Group progress loans, get more info Group progress investments, or both of those. The financial institution must base any once-a-year measurable ambitions as being a share or ratio from the financial institution's community advancement loans and community growth investments for all or certain sorts of community growth described in § 228.
) of this segment in precisely the same calendar 12 months, of a community advancement loan refinanced or renewed in the 12 months subsequent to your 12 months of origination or acquire, as of December 31 with the calendar calendar year for on a yearly basis which the loan stays about the bank's balance sheet; or an present Local community progress financial commitment renewed in the yr subsequent on the 12 months the financial commitment was manufactured as of December 31 for annually that the financial commitment stays around the lender's stability sheet.
자주 사용하는 앱은 홈 화면에 바로가기 아이콘을 추가하여 더욱 편리하게 이용할 수 있습니다. 네이버 앱을 설치한 후, 앱 아이콘을 길게 누르고 "홈 화면에 추가" 옵션을 선택하면 됩니다.
(one) For financial institutions that sustain a website, all info needed with the lender's public file less than this part need to be managed on the financial institution's Site.