The Board evaluations the influence and responsiveness from the bank's Neighborhood development loans and Group progress investments that advantage or serve the nationwide space, as presented in § 228.fifteen.
When making use of overall performance checks and strategic programs pursuant to paragraph (a) of the part, and when analyzing whether to approve a strategic program pursuant to § 228.
The Board premiums the overall performance of the intermediate bank evaluated underneath this portion as presented in appendix D to this part.
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(i) Why the lender's business enterprise design is outside the house the scope of, or inconsistent with, a number of areas of the effectiveness tests that may use in the absence of the authorized strategy;
Pursuant to twelve U.S.C. 2906, the Board gives conclusions derived beneath this part independently for metropolitan areas through which a lender maintains one or more domestic branch offices and for the nonmetropolitan spot of the Point out if a financial institution maintains a number of domestic department places of work in such nonmetropolitan location.
(i) An intermediate financial institution's Local community enhancement efficiency is evaluated pursuant to the following requirements:
For a large lender needed to report home home loan loan information pursuant to 12 CFR section 1003, the Board will publish around the Board's Web page the information necessary by paragraph (j)(two) of the segment concerning the distribution of a giant lender's originations and programs of house home loan loans by borrower or applicant money level, race, and ethnicity in Each individual with the bank's facility-centered assessment areas, and as applicable, its retail lending evaluation regions. This facts is revealed each year based on information documented pursuant to twelve CFR element 1003.
) The outstanding equilibrium of the community progress loan originated, purchased, refinanced, or renewed in prior a long time or community enhancement financial investment designed or renewed in preceding yrs, as of December 31 for yearly that the loan or investment stays around the financial institution's balance sheet; or
Within a facility-based evaluation region or outside the house retail lending spot, a product line is A serious item line Should the bank's loans in that products line comprise 15 p.c or more with the bank's loans across all of the financial institution's products lines in the ability-based assessment place or outside retail lending spot, as determined pursuant to paragraph II.b.1 of appendix A to this element.
The Board evaluates an intermediate financial institution's file of helping to fulfill the credit rating demands of its total Local community pursuant for the click here Retail Lending Check in § 228.
A considerable bank ought to obtain and report back to the Board on a yearly basis by April one an index of Each individual retail lending evaluation space demonstrating the States, MSAs, and counties from the retail lending assessment location for your prior calendar year.
(i) Impedes its ability to complete in a satisfactory stage beneath the program, including economic constraints attributable to considerable events that influence the nearby or countrywide economy; or
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