A lender could specify alternate weights for averaging take a look at general performance across evaluation areas or other geographic places. These alternate weights need to be based upon the financial institution's ability and Neighborhood requirements and possibilities in particular geographic locations.
means a lender that's not within the enterprise of extending shut-close dwelling mortgage loans, compact small business loans, small farm loans, or car loans evaluated less than § 228.
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The inclusion of the affiliate's loans, investments, companies, and products and solutions in a lender's strategy, or in a joint system of affiliated depository institutions, is topic to the subsequent:
(i) Why the lender's organization model is exterior the scope of, or inconsistent with, a number of facets of the overall performance assessments that will implement while in the absence of an authorised system;
Pursuant to 12 U.S.C. 2906, the Board provides conclusions derived less than this section separately for metropolitan locations in which a lender maintains one or more domestic department workplaces and for your nonmetropolitan location of the Point out if a financial institution maintains one or more domestic department offices in this kind of nonmetropolitan area.
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Pursuant to § 228.21, the Group Enhancement Funding Test evaluates the financial institution's report of assisting to meet up with the credit score requires of its entire community by means of Neighborhood progress loans and Local community growth investments (
(five) A list of retail banking companies (including hrs of Procedure, available loan and deposit items, and transaction service fees) normally presented at the financial institution's branches and descriptions of material discrepancies in The provision or expense of solutions at distinct branches, if any.
(i) All the knowledge required for your lender's community file should be maintained at the most crucial Office environment and, if an interstate bank, at a person department office in Just about every Condition; and
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For residence house loan loans, the financial institution need to determine the house house loan loans documented by its operations subsidiary under twelve CFR section 1003, if relevant, or accumulate and keep info on house home loan loans by its functions subsidiary the bank might have collected and preserved pursuant to paragraph (a)(3) of this portion experienced the bank click here originated or ordered the loans.
A bank have to maintain a community file, in both paper or electronic structure, that includes the following facts:
) The variety of retail banking companies and retail banking merchandise made available through electronic delivery devices together with other supply methods; and