(1) Facts indicating that a bank acquired closed-conclude household property finance loan loans, modest enterprise loans, tiny farm loans, or vehicle loans for the only or Key goal of inappropriately enhancing its retail lending efficiency, which includes, although not restricted to, information and facts indicating subsequent resale of these kinds of loans or any sign that this sort of loans have been regarded in a number of depository institutions' CRA evaluations, during which case the Board will not take into account these types of loans inside the bank's effectiveness evaluation;
The Board considers Neighborhood growth loans and Group enhancement investments allotted pursuant to paragraph I.b of appendix B to this aspect.
네이버를 자주 이용한다면, 북마크 기능을 활용하여 손쉽게 접근할 수 있습니다. 웹 브라우저의 북마크 기능을 통해 네이버 페이지를 등록하면, 다음부터는 북마크 목록에서 바로 네이버에 접속할 수 있습니다.
In case the Board receives a public remark prior to the close date of the lender's CRA examination, the general public comment is going to be regarded in connection with that CRA examination.
signifies, notwithstanding the definition of “little business enterprise” On this portion, a loan included in “loans to modest businesses” as described in Timetable RC-C of the decision Report.
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For every of a bank's facility-centered assessment parts, the Evaluation Spot Community Development Funding Benchmark measures the greenback volume of Local community advancement loans and community progress investments that reward or provide the ability-centered assessment space for all massive depository establishments as compared to deposits located in the ability-based assessment space for all huge depository establishments, calculated pursuant to paragraph II.b of appendix B to this element.
) Big banking companies that experienced assets a lot less than or equal to $10 billion as of December 31 in possibly in the prior two calendar years and that don't operate branches.
implies a loan to one or more people for home, family members, or other individual expenses and that is probably the adhering to different types of loans:
In a facility-based evaluation place or outdoors retail lending area, an item line is A significant solution line In the event the lender's loans in that product or service line comprise 15 percent or even more of the financial institution's loans throughout most of the financial institution's solution strains in the facility-based assessment area or exterior retail lending area, as decided pursuant to paragraph II.b.1 228 loan of appendix A to this component.
Over the period once the lender is formally soliciting general public comment on its First draft approach, the bank have to make copies of the Preliminary draft prepare available for evaluation for free of charge at all offices in the financial institution in any facility-primarily based assessment spot protected by the strategy and provide copies in the Preliminary draft prepare upon request for an inexpensive cost to include copying and mailing, if relevant.
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(iii) A lender that includes further efficiency evaluation components with accompanying once-a-year measurable ambitions in its program should specify the geographic spots where by Those people parts and objectives utilize.
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