The Board evaluates a small lender's record of helping to meet the credit rating wants of its full Local community pursuant for the Compact Lender Lending Examination as supplied in paragraph (a)(2) of this area, Unless of course the compact lender opts to generally be evaluated pursuant to the Retail Lending Exam in § 228.22.
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indicates the overall performance of volunteer services by a financial institution's or its affiliate's board customers or workers, done on behalf on the lender, the place All those providers:
An intermediate lender or a small financial institution for which vehicle loans are a product line may perhaps accumulate and preserve in the format in the lender's selecting, which includes in an electronic form prescribed from the Board, until eventually the completion on the financial institution's up coming CRA evaluation wherein the information are evaluated, the data explained in paragraphs (a)(two)(iii)(A) by way of (F) of this portion for each vehicle loan originated or acquired because of the financial institution over the evaluation interval.
(D) A financial institution apart from a large bank may perhaps contain retail banking solutions or retail banking goods element(s) and accompanying annual measurable plans in its strategy.
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means a lender, excluding a lender selected to be a limited function financial institution pursuant to § 228.26, that had property of less than $600 million as of December 31 in either of the prior two calendar many years. The Board adjusts and publishes the greenback figure In this particular definition on a yearly basis based on the yr-to-yr alter in the average of The patron Price tag Index for Urban Wage Earners and Clerical Staff, not seasonally modified, for each twelve-thirty day period period ending in November, with rounding to the closest million.
A significant lender need to collect and keep in electronic type, as prescribed with the Board, right until the completion of your lender's future CRA assessment by which the data are evaluated, the subsequent facts for each tiny small business loan or compact farm loan originated or bought from the bank through the evaluation period:
A considerable lender that had click here property larger than $ten billion as of December 31 in both equally in the prior two calendar many years have to accumulate and manage every year, in electronic type, as prescribed with the Board, until eventually the completion of your bank's up coming CRA examination by which the data are evaluated, the greenback volume of its deposits on the county degree determined by deposit site.
The financial institution should submit its draft want to the Board a minimum of 90 times prior to the proposed effective day on the strategy. The financial institution ought to also submit with its draft strategy:
The Board evaluates a lender's distant company facility availability within a facility-primarily based evaluation place depending on the next:
Any facility-based mostly evaluation location, retail lending evaluation spot, outside retail lending space, or other geographic place that could be evaluated while in the absence of the accredited strategy, but is not really A part of an accepted approach, is going to be evaluated pursuant towards the overall performance assessments that could use during the absence of an accredited plan.
Tasks to revitalize or stabilize a specific census tract which include both of those professional and household parts qualify as revitalization or stabilization things to do beneath this paragraph (e)(2), if:
has the identical meaning as that phrase is described because of the Director on the Office environment of Management and Spending budget.