A lender may prepare only one plan or independent programs for its facility-primarily based evaluation locations, retail lending assessment parts, outside the house retail lending location, or other geographic parts that could be evaluated inside the absence of an authorised approach.
Only a bank that is certainly an affiliate of a holding business ought to include the next to the final sentence with the notices. A financial institution ought to include the final sentence of your notices only if it is an affiliate of the holding company that isn't prevented by statute from getting more depository institutions.
(ii) If a substantial bank is now not needed to delineate a retail lending evaluation region previously identified inside the program as a result of not Conference the required retail lending evaluation place thresholds pursuant to § 228.
The Board works by using the retail lending assessment areas delineated by a sizable bank in its analysis of your financial institution's closed-conclude property mortgage loan lending and small company lending effectiveness Except if the Board determines which the retail lending evaluation locations tend not to comply with the requirements of this portion.
The Board may approve a plan soon after considering the standards in paragraph (h)(three) of this section and when it establishes which the financial institution has supplied enough justification to the program and every facet of the strategy as essential in paragraph (d) of the section.
(ii) If a sizable lender just isn't topic to reporting under 12 CFR aspect 1003 because of The situation of its branches, but would otherwise meet up with the house House loan Disclosure Act (HMDA) dimension and lending exercise necessities pursuant to twelve CFR component 1003, the financial institution must collect and retain, in Digital sort, as prescribed via the Board, until the completion of the bank's next CRA assessment wherein the information are evaluated, the subsequent details, for every shut-end house home loan loan, excluding multifamily loans, originated or bought during the analysis period of time:
) Benefits or serves one or more geographic locations with lower levels of Neighborhood advancement financing;
A substantial financial institution will have to obtain and maintain in Digital type, as prescribed because of the Board, until the completion on the lender's future CRA assessment where the information are evaluated, the next info for each compact small business loan or compact farm loan originated or procured because of the financial institution over the analysis interval:
(iv) The Local community advancement services requirements of its facility-primarily based evaluation regions served by the lender that are included from the strategy.
네이버는 블로그를 통해 저작물이 무단으로 공유되는 것을 막기 위해, 저작권을 침해하는 컨텐츠가 포함되어 있는 게시물의 경우 주제 분류 기능을 제한하고 있습니다.
) The number of examining and financial savings accounts opened digitally and through other shipping and delivery devices which might be Energetic at the end of Each and every calendar year by census tract money stage for each calendar yr.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(iii) A bank that features added functionality evaluation components with accompanying once-a-year measurable plans in its system have to specify the geographic regions in which those parts and ambitions apply.
Pursuant to § 228.21, the Retail Lending Examination evaluates a bank's history of helping to meet the credit score desires of its entire community through the bank's origination and buy of dwelling home loan loans, multifamily loans, click here small business enterprise loans, and modest farm loans.