A bank may specify alternative weights for averaging test overall performance throughout assessment spots or other geographic parts. These substitute weights have to be dependant on the lender's potential and community wants and prospects in specific geographic spots.
The Board considers Local community advancement loans and community improvement investments allotted pursuant to paragraph I.b of appendix B to this aspect.
If a military lender delineates all the U . s . and its territories as its sole facility-primarily based evaluation region pursuant to § 228.sixteen(d), the Board evaluates the bank exclusively within the establishment level according to its performance in its sole facility-centered assessment region.
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(i) The general public's involvement in formulating the draft strategy, which include specific facts concerning the users of the general public and organizations the lender contacted And the way the financial institution gathered information and facts applicable to your draft prepare;
implies a business, other than a farm, that experienced gross annual revenues for its preceding fiscal year of $5 million or fewer.
For each of the financial institution's facility-primarily based evaluation spots, the Evaluation Place Community Advancement Financing Benchmark actions the greenback quantity of Neighborhood growth loans and community enhancement investments that gain or serve the ability-primarily based evaluation location for all large depository establishments when compared with deposits located in the power-primarily based evaluation area for all substantial depository institutions, calculated pursuant to paragraph II.b of appendix B to this portion.
The loans, investments, solutions, and merchandise of a financial institution's functions subsidiary should be A part of the bank's prepare, Except if the operations subsidiary is independently matter to CRA demands.
The Board evaluates a financial institution's Neighborhood improvement companies functionality within a Point out or multistate MSA, as applicable, or nationwide space, and assigns a conclusion for people places, dependant on the following two factors:
If you have thoughts for that Agency that issued The existing document be sure to Call the agency directly.
An intermediate financial institution or a small lender for which car loans are an item line may well acquire and sustain inside a structure in the bank's deciding upon, like in an Digital type prescribed by the Board, until eventually the completion on the bank's upcoming CRA evaluation where the information are evaluated, the info explained in paragraphs (a)(2)(iii)(A) by way of (F) of the segment for every car loan originated or obtained by get more info the financial institution throughout the analysis period.
(4) The amount and greenback quantity of Group improvement loans and Neighborhood progress investments reported as originated or obtained within Each individual facility-based assessment location, Every single Point out wherein the lender features a branch, Each and every multistate MSA during which a financial institution incorporates a department in two or more States of the multistate MSA, and nationwide location outside of these States and multistate MSAs.
The Board considers The supply of remote services facilities in the subsequent geographic places:
(4) In case the lender did not revise the Preliminary draft prepare in reaction to ideas or concerns from general public enter been given, an explanation for why any recommendation or worry was not tackled from the draft system.