The Board may possibly alter a little lender score from “Satisfactory” to “Outstanding” in the institution stage in which the financial institution requests and receives extra consideration for routines that might qualify pursuant to your Retail Companies and Items Test in § 228.
A financial institution required to report home house loan loan data pursuant to 12 CFR portion 1003 have to consist of in its public file a prepared observe which the lender's HMDA Disclosure Statement could be received on The patron Financial Protection Bureau's (CFPB's) Internet site at:
The Board evaluates a confined intent bank's Neighborhood improvement funding performance in Just about every State or multistate MSA, as applicable pursuant to §§ 228.
(one) A shopper loan is found while in the census tract wherever the borrower resides at the time that the borrower submits the loan software;
(iii) A populace loss of ten p.c or maybe more amongst the past and most up-to-date decennial census or simply a net population loss of 5 percent or even more in excess of the 5-yr interval previous The latest census.
) The amount of examining and savings accounts opened digitally and thru other shipping and delivery methods which might be active at the conclusion of Every single calendar year by census tract revenue level for every calendar calendar year.
(D) A little financial institution might consist of a Neighborhood advancement loan or Group improvement investment decision part and accompanying annual measurable aims in its strategy.
(ii) In line with paragraph (g) of the segment, a bank's plan may perhaps include things like optional analysis factors or suitable modifications and additions on the functionality tests that would utilize while in the absence of the accepted strategy.
A bank or discounts Affiliation's record of efficiency will be the foundation for denying or conditioning acceptance of the software listed in paragraph (a) of this area.
The Board weights the bank's performance score for that overall performance assessments applicable to a large financial institution as follows:
(B) Inside here five calendar days with the request, all the data that the financial institution is necessary to maintain beneath this segment in the general public file referring to the ability-centered assessment location during which the branch is located.
(x) An indicator for if the loan was to a business or farm for which gross yearly revenues are usually not recognized through the financial institution.
The Board considers the availability of remote provider facilities in the following geographic places:
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