The Board evaluates a small financial institution's report of helping to fulfill the credit score desires of its overall Local community pursuant to your Compact Lender Lending Take a look at as supplied in paragraph (a)(2) of this part, Except the little bank opts to get evaluated pursuant to your Retail Lending Test in § 228.22.
The Board evaluates a financial institution's department availability and providers in a very facility-based assessment place depending on the next:
(ii) To amass ownership or control of shares or all or significantly all of the assets of the lender, to cause a financial institution to be a subsidiary of a financial institution holding firm, or to merge or consolidate a financial institution holding company with another financial institution holding business in a transaction that needs acceptance under segment 3 on the Lender Keeping Enterprise Act (twelve U.S.C. 1842);
(2) A replica of the general public section of the lender's most up-to-date CRA effectiveness evaluation geared up because of the Board. The financial institution need to contain this copy in the general public file in 30 business times right after its receipt in the Board;
The Board critiques the impact and responsiveness of the financial institution's Local community progress loans and community progress investments that benefit or serve a facility-centered evaluation spot, as offered in § 228.fifteen.
(ii) Why an evaluation in the bank pursuant to any facet of a prepare in paragraph (d)(one) of the portion would extra meaningfully reflect a financial institution's history of helping to satisfy the credit rating desires of its Group than if it were evaluated underneath the functionality checks that may utilize in the absence of the authorised approach; and
(six) A lender's shut-conclusion household property finance loan lending, small company lending, little farm lending, or automobile lending in distressed or underserved nonmetropolitan Center-profits census tracts wherever a financial institution's nonmetropolitan facility-based mostly assessment area or nonmetropolitan retail lending evaluation location contains very few or no small- and reasonable-revenue census tracts; and
Purchases of home finance loan-backed securities exactly where a the vast majority in the underlying loans are usually not loans that the bank originated or obtained and:
(B) The Board determines that analysis beneath the program would not give a extra significant reflection on the financial institution's document of assisting to satisfy the credit history requires of your financial institution's Neighborhood;
) of this segment, a financial institution may possibly deliver distinct weights for averaging jointly the efficiency across these loan merchandise and should include things like Those people loan products within the numerator from the Bank Quantity Metric.
(A) A copy of the general public section with the bank's most recent CRA efficiency analysis and a list of products and services provided by the branch; and
The financial institution have to include things like the published notices in the general public file in 3 enterprise days after acquiring notification with the FFIEC of The provision in the disclosure statements.
(i) Impedes its capability to complete at a satisfactory degree under the strategy, like monetary constraints brought on by substantial events that effects check here the area or nationwide overall economy; or
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