. The lender have to contain the penned see in the general public file inside of three small business days after getting notification in the FFIEC of The provision from the disclosure assertion.
(6) A map of each and every facility-based mostly assessment place and, as relevant, Every retail lending evaluation spot exhibiting the boundaries of the realm and pinpointing the census tracts contained in the area, possibly around the map or inside a different list; and
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답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
A lender that acquired a less than “Satisfactory” institution score during its most recent examination must incorporate in its general public file an outline of its existing initiatives to boost its general performance in helping to satisfy the credit history demands of its full community.
The Board works by using the ability-primarily based assessment places delineated by a financial institution in its evaluation of the financial institution's CRA functionality Except if the Board determines that the ability-based mostly assessment parts tend not to comply with the necessities of this portion.
(B) The usefulness in the lender's units for delivering retail banking solutions and The provision and responsiveness in the financial institution's retail banking goods, pursuant to § 228.23, as relevant;
(three) A small business enterprise loan or little farm loan is situated during the census tract exactly where the principle company facility or farm is situated or exactly where the borrower will otherwise use the loan proceeds, as indicated get more info via the borrower.
(iv) The community progress companies wants of its facility-based mostly evaluation regions served from the bank which are protected with the plan.
) The array of retail banking expert services and retail banking products provided by means of digital shipping systems and other delivery techniques; and
The Board evaluates the report of the intermediate lender, or a small bank that opts to become evaluated underneath the Retail Lending Take a look at, of assisting to satisfy the credit score demands of its complete community in its outside the house retail lending area pursuant to § 228.22, for a particular calendar calendar year, if:
A large financial institution must accumulate and report back to the Board yearly by April 1 a summary of Each individual retail lending evaluation area displaying the States, MSAs, and counties from the retail lending evaluation space for the prior calendar year.
(ii) The Board considers an intermediate bank's Local community growth loans, community progress investments, and community progress providers without regard to whether or not the exercise is produced in a number of from the financial institution's facility-based mostly evaluation areas. The extent of your Board's thought of Local community improvement loans, Local community development investments, and Neighborhood progress providers beyond the lender's facility-primarily based evaluation areas will rely upon the adequacy of the bank's responsiveness to Neighborhood enhancement wants and opportunities within the financial institution's facility-based assessment parts and applicable performance context info.
) The array of retail banking products and services and retail banking products and solutions supplied through digital shipping and delivery programs and various delivery systems; and