The Board might adjust a small bank rating from “Satisfactory” to “Exceptional” at the institution level where by the lender requests and receives extra thought for things to do that will qualify pursuant to your Retail Companies and Solutions Exam in § 228.
The Board evaluates a financial institution's branch availability and solutions in the facility-based assessment area determined by the following:
The Board considers community growth loans and Group progress investments allocated pursuant to paragraph I.b of appendix B to this element.
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(3) If the bank revised the First draft plan in response to the public input acquired, the Original draft program as produced for general public comment with an explanation in the related variations; and
The Board may possibly regulate a small lender ranking from “Satisfactory” to “Exceptional” for the establishment level the place the financial institution requests and gets supplemental consideration for the next things to do, without having regard to if the exercise is in a number of from the bank's facility-based mostly evaluation locations, as applicable:
suggests a financial institution's loans in a single of the subsequent, separate types in a certain Retail Lending Check Area:
The loans, investments, providers, and merchandise of the financial institution's operations subsidiary has to be included in the financial institution's system, Until the operations subsidiary is independently subject to CRA requirements.
(e) Information on Local community advancement loans and community progress investments by a consortium or possibly a 3rd party.
Pursuant to § get more info 228.28 and paragraph f of appendix D to this aspect, the Board incorporates the conclusions of a financial institution evaluated below an accredited program into its Point out or multistate MSA ratings, as applicable, and its establishment rating, accounting for paragraph g.2 of appendix D to this portion, as applicable.
Loans, investments, and solutions that support small companies or smaller farms in accordance with how compact corporations and modest farms are defined from the applicable plan, program, or initiative, but excluding loans by a bank on to small firms or little farms (possibly as defined in the authorities prepare, program, or initiative or in § 228.
(3) The number of lenders whose home house loan loans, multifamily loans, modest small business loans, and smaller farm loans and deposits facts are applied to ascertain the applicable Retail Lending Quantity Threshold, geographic distribution market place benchmarks, and borrower distribution industry benchmarks;
(B) A financial institution may possibly specify making use of property as an alternative denominator for the Group advancement funding metric if it much better steps a bank's ability.
indicates a channel through which financial institutions offer you retail banking services electronically, like online banking or cellular banking.