(1) Information indicating that a lender procured closed-close home home loan loans, tiny enterprise loans, modest farm loans, or automobile loans for the sole or Principal purpose of inappropriately improving its retail lending general performance, which includes, although not limited to, data indicating subsequent resale of this kind of loans or any sign that this sort of loans are regarded as in many depository establishments' CRA evaluations, in which case the Board will not take into consideration these loans in the bank's efficiency evaluation;
설정한 아이디는 나중에 변경할 수 없으니 신중하게 입력해주세요. 변경 전 공유된 블로그/글/클립 링크는 연결이 끊길 수 있습니다.
컴퓨터 앞에 앉아 네이버를 이용하고 싶다면, 몇 가지 간단한 방법으로 네이버 웹사이트에 접속할 수 있습니다.
The inclusion of the affiliate's loans, investments, providers, and items in a bank's approach, or inside a joint plan of affiliated depository institutions, is topic to the subsequent:
The Board might approve a plan after looking at the factors in paragraph (h)(three) of this portion and if it establishes that the lender has offered sufficient justification with the program and every facet of the approach as required in paragraph (d) of the section.
A lender topic to this section may well ask for that the Board validate that a loan, financial investment, or company is qualified for community improvement thing to consider by submitting a ask for to, and in a format prescribed by, the Board.
Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a financial institution's Retail Lending Examination conclusions into its State or multistate MSA ratings, as relevant, and its establishment ranking.
The Retail Lending Test evaluates a financial institution's history of helping to meet up with the credit score requires of its total community throughout the lender's origination and purchase of vehicle loans In the event the financial institution is really a the vast majority car lender.
The Board evaluates a bank's overall performance below an approved plan based on the performance assessments that might apply during the absence of the accredited strategy and any optional evaluation parts or eligible modifications and additions into the applicable general performance exams established forth while in get more info the lender's accredited strategy.
For a considerable financial institution that had property better than $10 billion as of December 31 in both of those of your prior two calendar yrs, the Bank Nationwide Community Growth Investment decision Metric actions the greenback volume from the lender's Local community advancement investments that benefit or provide all or Portion of the nationwide region, excluding mortgage-backed securities, in comparison to the deposits inside the financial institution located in the nationwide spot, calculated pursuant to paragraph II.m of appendix B to this component.
In the time period if the lender is formally soliciting general public touch upon its Original draft approach, the bank need to make copies on the Original draft approach accessible for assessment without charge in any way offices from the bank in any facility-based mostly assessment spot included because of the prepare and provide copies on the Original draft plan on request for an inexpensive price to deal with copying and mailing, if applicable.
A big bank ought to collect and preserve in electronic variety, as prescribed from the Board, till completion from the bank's upcoming CRA assessment wherein the data are evaluated, the next details with respect to retail banking companies and retail banking solutions presented and supplied by the financial institution throughout Each and every calendar 12 months:
(iii) The bank's document of lending to and, as correct, participating in other retail and community improvement lending-relevant actions for borrowers of various income stages and businesses and farms of different measurements;
(1) For financial institutions that retain an internet site, all facts essential to the financial institution's public file below this section must be managed over the financial institution's Site.