A financial institution may possibly specify option weights for averaging check general performance throughout assessment locations or other geographic parts. These alternate weights has to be depending on the lender's capacity and Neighborhood requires and chances in unique geographic spots.
가장 직관적이고 기본적인 방법은 웹 브라우저 주소창에 네이버 주소를 입력하는 것입니다. 네이버의 공식 주소는 ""입니다. 주소창에 이 주소를 입력하고 엔터 키를 누르면 네이버 메인 페이지로 이동합니다.
(one) Any data with regards to a bank's institutional potential or constraints, including the dimensions and fiscal condition from the financial institution, security and soundness limits, or another bank-particular factors that noticeably impact the lender's ability to deliver retail lending, retail banking providers and retail banking products and solutions, Neighborhood progress loans, Neighborhood enhancement investments, or community growth services;
The Board publishes on its public Internet site, at least thirty times upfront of the start of each and every calendar quarter, a summary of banking companies scheduled for CRA examinations for the subsequent two quarters.
A bank that gained a lower than “Satisfactory” institution score in the course of its most up-to-date evaluation will have to incorporate in its general public file an outline of its present initiatives to boost its performance in assisting to fulfill the credit history wants of its total community.
The Board considers the department availability and solutions delivered at branches of financial institutions that operate a number of branches pursuant to paragraph (b)(two) of this section.
(six) A lender's closed-close property home finance loan lending, compact company lending, modest farm lending, or automobile lending in distressed or underserved nonmetropolitan Center-income census tracts exactly where a bank's nonmetropolitan facility-primarily based assessment region or nonmetropolitan retail lending evaluation area consists of only a few or no reduced- and reasonable-money census tracts; and
For a significant lender needed to report household home finance loan loan facts pursuant to 12 CFR element 1003, the Board will publish to the Board's Web-site the info necessary by paragraph (j)(2) of the segment concerning the distribution of a giant financial institution's originations and applications of household mortgage loan loans by borrower or applicant cash flow stage, race, and ethnicity in Just about every on the bank's facility-dependent assessment parts, and as relevant, its retail lending assessment regions. This data is published annually based upon knowledge documented pursuant to 12 CFR element 1003.
The Financial institution Assessment Area Local community Development Funding Metric steps the dollar volume of a lender's community advancement loans and Neighborhood growth investments that profit or serve a facility-dependent evaluation spot when compared with deposits while in the bank that can be found in the facility-based mostly evaluation space, calculated pursuant to paragraph II.a of appendix B to this element.
In a facility-centered assessment region or outside the house retail lending place, a product line is An important merchandise line In the event the bank's loans in that products line comprise 15 p.c or more on the financial institution's loans throughout all the financial institution's merchandise traces in the power-based mostly assessment space or exterior retail lending spot, as decided pursuant to paragraph II.b.one of appendix A to this element.
(A) A replica of the public portion in the lender's most recent CRA functionality evaluation and an index of providers provided by the department; and
A substantial lender must collect and report to the Board every year by April one a listing of Each individual retail lending evaluation space demonstrating the States, MSAs, and counties during the retail lending assessment place for the prior calendar year.
A considerable financial institution and a minimal purpose lender that could be a get more info big lender depending on the asset size described in the definition of a giant bank will have to acquire and report back to the Board each year by April one a list of Just about every facility-primarily based evaluation location exhibiting the States, MSAs, and counties in the facility-dependent assessment location, as of December 31 with the prior calendar year or the last date the ability-centered assessment spot was in impact, delivered the facility-primarily based assessment place was delineated for a minimum of 6 months of your prior calendar calendar year.
The Board considers the weighted regular of your performance scores corresponding to the lender's Local community Growth Financing Test conclusions for its facility-centered evaluation places within the multistate MSA, calculated pursuant to portion IV of appendix B to this aspect.