usually means credit history and deposit products and solutions or packages that aid a lending or depository connection among the lender and consumers, little organizations, or small farms.

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In Every single applicable Retail Lending Exam Place, the Board evaluates originated and acquired loans in Each individual of the subsequent product or service lines That may be a key solution line, as described in paragraph (d)(two) of this portion:

For a little financial institution evaluated under the Smaller Bank Lending Exam, the Board charges the lender's functionality under this area as provided in appendix E to this element.

Pursuant to twelve U.S.C. 2906, the Board supplies conclusions derived underneath this aspect individually for metropolitan places during which a bank maintains one or more domestic department offices and to the nonmetropolitan place of a State if a lender maintains one or more domestic department workplaces in this sort of nonmetropolitan area.

(six) A lender's closed-finish residence property finance loan lending, compact business enterprise lending, tiny farm lending, or auto lending in distressed or underserved nonmetropolitan Center-income census tracts exactly where a financial institution's nonmetropolitan facility-dependent assessment space or nonmetropolitan retail lending assessment location includes hardly any or no reduced- and moderate-cash flow census tracts; and

A bank that been given a a lot less than “Satisfactory” institution score during its most up-to-date evaluation must incorporate in its community file a description of its latest efforts to enhance its general performance in helping to meet up with the credit rating needs of its overall community.

A lender or financial savings association's file of effectiveness may be the basis for denying or conditioning acceptance of the software listed in paragraph (a) of the section.

네이버는 블로그를 통해 click here 저작물이 무단으로 공유되는 것을 막기 위해, 저작권을 침해하는 컨텐츠가 포함되어 있는 게시물의 경우 주제 분류 기능을 제한하고 있습니다.

(A) A duplicate of the general public area with the bank's most recent CRA performance evaluation and a listing of companies provided by the branch; and

A considerable financial institution need to collect and maintain in Digital sort, as prescribed with the Board, right up until completion in the bank's upcoming CRA evaluation by which the info are evaluated, the next data with regard to retail banking solutions and retail banking products presented and provided by the financial institution throughout Just about every calendar yr:

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(B) The extent to which the strategy has sufficiently justified the necessity for the strategy and each aspect of the plan as required in paragraph (d) of this part.