The Board opinions the impression and responsiveness on the bank's Group progress loans and Group progress investments that reward or serve a Point out, as supplied in § 228.fifteen.
When making use of efficiency assessments and strategic ideas pursuant to paragraph (a) of this section, and when identifying regardless of whether to approve a strategic system pursuant to § 228.
(ii) To amass possession or control of shares or all or considerably most of the property of a lender, to bring about a lender to be a subsidiary of a lender holding organization, or to merge or consolidate a financial institution Keeping corporation with some other lender holding organization inside of a transaction that needs approval underneath part three of the Bank Keeping Company Act (twelve U.S.C. 1842);
(i) The retail lending wants of its facility-primarily based assessment spots, retail lending evaluation parts, and out of doors retail lending region which might be covered through the plan. A financial institution that originates or buys loans in an item line evaluated pursuant to your Retail Lending Exam in § 228.
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A bank topic to this part may perhaps request that the Board affirm that a loan, financial commitment, or provider is qualified for community growth consideration by distributing a request to, As well as in a format prescribed by, the Board.
A click here financial institution ought to make available to the general public for inspection, upon request and without charge, the data expected On this portion as follows:
) A lender might use option weights for combining the borrower and geographic distribution analyses for key solution line(s) or other loan products and solutions.
usually means the time period, generally in calendar yrs, throughout which a bank conducted the pursuits which the Board evaluates in the CRA examination, in accordance Along with the Board's recommendations and methods.
(ii) As soon as the bank has made its Original draft program, formally solicit general public comment on the initial draft prepare for at least sixty times by:
(A) A lender may perhaps specify once-a-year measurable objectives for Neighborhood enhancement loans, Local community improvement investments, or both equally. The financial institution should base any annual measurable ambitions to be a share or ratio from the financial institution's Local community growth loans and community progress investments for all or selected sorts of community progress explained in § 228.
Any facility-centered assessment location, retail lending evaluation space, exterior retail lending location, or other geographic spot that could be evaluated while in the absence of an approved approach, but isn't A part of an accredited program, are going to be evaluated pursuant to your performance checks that could use in the absence of an accepted program.
A lender will have to keep a public file, in both paper or electronic structure, that includes the next information:
If you prefer to to comment on the current material, you should use the 'Material Responses' button underneath for Guidance on getting in touch with the issuing agency