The Board could change a little bank rating from “Satisfactory” to “Remarkable” for the establishment degree where by the financial institution requests and gets supplemental thought for things to do that might qualify pursuant for the Retail Services and Products and solutions Examination in § 228.
(one) Thing to consider on the dollar volume of your minimal reason financial institution's Group growth loans and Neighborhood advancement investments that profit or serve the facility-based mostly evaluation location; and
컴퓨터 앞에 앉아 네이버를 이용하고 싶다면, 몇 가지 간단한 방법으로 네이버 웹사이트에 접속할 수 있습니다.
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
If a financial institution established once-a-year measurable plans and does not fulfill one or more of its satisfactory objectives, the Board will look at the following variables to determine the effect on a lender's CRA efficiency analysis:
(ii) If a big bank will not be issue to reporting beneath 12 CFR component 1003 as a consequence of The placement of its branches, but would usually meet the house Home loan Disclosure Act (HMDA) dimensions and lending exercise demands pursuant to twelve CFR component 1003, the financial institution must acquire and preserve, in electronic variety, as prescribed with the Board, until finally the completion of the lender's upcoming CRA evaluation by which the info are evaluated, the next info, for each closed-stop home home finance loan loan, excluding multifamily loans, originated or purchased over the evaluation interval:
For every of the lender's facility-centered assessment regions, the Evaluation Location Group Development Funding Benchmark actions the dollar quantity of Group enhancement loans and community improvement investments that benefit or provide the power-based mostly evaluation place for all significant depository institutions compared to deposits situated in the ability-centered assessment spot for all massive depository establishments, calculated pursuant to paragraph II.b of appendix B to this section.
For a considerable bank required to report home mortgage loan loan information pursuant to twelve CFR section 1003, the Board will publish around the Board's Internet site the info needed by paragraph (j)(2) of this area in regards to the distribution of a giant bank's originations and apps of home mortgage loan loans by borrower or applicant profits amount, race, and ethnicity in Every single from the lender's facility-primarily based evaluation parts, and as applicable, its retail lending assessment places. This information and facts is published yearly based on data documented pursuant to twelve CFR section 1003.
The Board assigns conclusions to a big financial institution's or minimal intent lender's overall performance to the applicable checks explained in paragraph (a) of the section pursuant to § 228.28 and appendix C to this part. The Board assigns conclusions to a little lender's or intermediate bank's performance about the relevant assessments explained in paragraph (a) of this area pursuant to § 228.
(seven) Information and facts indicating the credit wants of the ability-centered evaluation place or retail lending assessment area are usually not becoming achieved by lenders inside the aggregate, this sort of the related benchmarks do not adequately replicate Local community credit score wants.
Loans, investments, and products and services that assistance smaller corporations or compact farms in accordance with how tiny companies and small farms are described during the applicable approach, plan, or initiative, but excluding loans by a bank directly to tiny corporations or modest farms (either as described within a federal government approach, system, or initiative or in § 228.
(1) All written reviews received from the general public for The existing calendar year (updated with a quarterly basis for your prior quarter by March 31, June 30, September 30, and December 31) and each of the prior two calendar many years that exclusively relate towards the bank's overall performance in assisting to meet Local community credit score requires, and any reaction into the opinions via the lender, if neither the reviews nor the responses consist of statements that mirror adversely on The nice name or reputation of any people in addition to the financial institution or publication of which might violate unique provisions of regulation;
); the phrase “uninsured Condition branch” indicates a click here State branch the deposits of which are not insured because of the Federal Deposit Insurance coverage Corporation; the term “constrained branch” signifies a Point out department that accepts only deposits which have been permissible for a corporation organized under area 25A in the Federal Reserve Act (twelve U.S.C. 611 et seq.
has exactly the same which means as that time period is described from the Director of your Office of Management and Finances.