A bank may well get ready only one program or individual plans for its facility-primarily based evaluation spots, retail lending assessment places, exterior retail lending region, or other geographic places that might be evaluated while in the absence of an permitted program.
(two) A retail lending assessment place might not lengthen past a Point out boundary Except the retail lending evaluation space is made of counties inside of a multistate MSA.
The Board evaluates a restricted purpose bank's Local community growth funding performance in Just about every Condition or multistate MSA, as applicable pursuant to §§ 228.
The Board might consider a financial institution's community growth loans, community growth investments, and community growth providers delivered beyond its facility-centered assessment parts, as delivered During this aspect.
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Pursuant to 12 U.S.C. 2906, the Board presents conclusions derived underneath this section individually for metropolitan spots wherein a bank maintains a number of domestic department places of work and for your nonmetropolitan region of the Condition if a lender maintains a number of domestic department places of work in these nonmetropolitan spot.
) Positive aspects or serves one or more geographic spots with low levels of Group progress funding;
(ii) Any county inside of a nonmetropolitan area where the lender did not originate or invest in any closed-close household home finance loan loans, little small business loans, modest farm loans, or automobile loans if vehicle loans are a product line for your bank.
means a loan to a number of people today for residence, spouse and children, or other particular expenditures Which is amongst the pursuing types of loans:
(B) For a considerable bank that had property a lot less than or equivalent $ten billion as of December 31 in either in the prior two calendar several years and that operates a minimum of 1 department, the Board considers the bank's digital shipping and delivery programs along with other supply units with the financial institution's choice.
(B) Why it's important and ideal to amend its approach from the absence of a fabric alter in conditions.
) Any increase in the calendar 12 months to an existing community progress loan that is certainly refinanced or renewed or to an current community development financial investment that may be renewed;
); the expression “uninsured Condition department” signifies a Point out department the deposits of which aren't insured by the Federal Deposit Insurance coverage Corporation; the term “constrained department” signifies a State branch that accepts only deposits which can be permissible for a company structured less than segment 25A with the Federal Reserve Act (12 U.S.C. 611 et seq.
(3) The financial institution may not assert Neighborhood development loans or Neighborhood improvement investments accounting 228 loan for more than its proportion share (depending on the extent of its participation or financial investment) of the whole loans or investments produced by the consortium or 3rd party.