(3) The lender may not claim community advancement loans or Local community development investments accounting for more than its percentage share (determined by the level of its participation or expense) of the whole loans or investments created by the consortium or third party.
(B) For giant banking institutions that had belongings below or equivalent to $ten billion as of December 31 in possibly from the prior two calendar a long time, the Board considers a financial institution's deposit products only for the lender's alternative.
b of appendix A to this part for facility-based evaluation places and retail lending evaluation locations, and paragraph IV.d of appendix A to this section for out of doors retail lending spots; and
The Board considers proof of discriminatory or other illegal credit score tactics described With this area by:
The Board weights the bank's performance rating to the overall performance tests applicable to an intermediate financial institution as follows:
(B) A financial institution apart from a substantial bank may well include things like a Neighborhood improvement expert services component and accompanying annual measurable targets in its prepare.
The joint approach may include optional evaluation factors or suitable modifications and additions towards the efficiency exams that may apply inside the absence of an accredited program.
The Board takes advantage of a financial institution's Total efficiency scores explained Within this segment to assign a ranking for your financial institution's Total overall performance in Each individual Condition and multistate MSA, as relevant, and with the institution, matter to paragraphs (d) and (e) of the area.
For a small bank evaluated underneath the Modest Financial institution Lending Exam, the Board prices the financial institution's performance under this portion as furnished in appendix E to this aspect.
suggests a lender that isn't while in the business of extending shut-conclusion house mortgage loans, little business enterprise loans, little farm loans, or vehicle loans evaluated under § 228.
(1) Any details about a financial institution's institutional ability or constraints, such as the sizing and economic condition of your bank, security and soundness limitations, or some other financial institution-certain factors that considerably have an impact on the financial institution's capability to present retail lending, retail banking products and services and retail banking products, Local community development loans, Local community advancement investments, or Neighborhood enhancement solutions;
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In contemplating CRA functionality in an software described in paragraph (a) of this section, the Board normally takes into account any sights expressed by fascinated get-togethers which have been submitted in accordance Together with the Board's Policies of Method established forth in 12 CFR portion 262.
); the phrase “uninsured Condition department” suggests a Condition branch the deposits of which aren't insured by the Federal Deposit Insurance policies Corporation; the phrase “minimal branch” suggests a State branch that accepts only deposits which are permissible for an organization arranged below part 25A of your Federal Reserve Act (12 U.S.C. 611 et seq.