(A) The Agency establishes that the lender has not provided suitable justification for your system and each facet of the approach as necessary pursuant to paragraph (d) of the segment;
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The Board will consider these remarks into account in reference to the bank's subsequent scheduled CRA evaluation.
문화를 만들기 위한 네이버의 노력이오니 회원님의 양해와 협조 부탁드립니다.
(two) A nonmetropolitan Center-cash flow census tract is selected as underserved if it fulfills the standards for populace size, density, and dispersion that show the world's populace is sufficiently modest, slender, and distant from a population center that the census tract is likely to get issues financing the set fees of meeting vital Group demands.
(ii) If a sizable bank is just not subject matter to reporting beneath twelve CFR section 1003 as a result of The placement of its branches, but would otherwise meet up with the Home Property finance loan Disclosure Act (HMDA) measurement and lending action specifications pursuant to 12 CFR aspect 1003, the lender must accumulate and keep, in Digital variety, as prescribed by the Board, right up until the completion of the lender's next CRA examination through which the information are evaluated, the next information, for each closed-end home mortgage loan loan, excluding multifamily loans, originated or acquired over the evaluation interval:
(six) A lender's shut-conclusion home house loan lending, modest business lending, little farm lending, or car lending in distressed or underserved nonmetropolitan middle-money census tracts exactly where a bank's nonmetropolitan facility-based evaluation area or nonmetropolitan retail lending evaluation place incorporates only a few or no lower- and reasonable-earnings census tracts; and
Revitalization or stabilization comprises activities that assistance revitalization or stabilization of focused census tracts, such as adaptive reuse of vacant or blighted buildings, brownfield redevelopment, assist of the system for a business enhancement district or principal Avenue system, or any other action that supports revitalization or stabilization, Which:
(iv) The community development companies requirements of its facility-primarily based assessment parts served from the bank which might be lined because of the system.
) of the area, a financial institution might present various weights for averaging alongside one another the general performance across these loan products and may contain These loan items in the numerator on the Bank Volume Metric.
The Board evaluates an intermediate lender's history of assisting to fulfill the credit history desires of its overall Local community more info pursuant for the Retail Lending Test in § 228.
A sizable financial institution ought to accumulate and retain in electronic type, as prescribed from the Board, right until completion of your financial institution's up coming CRA examination in which the info are evaluated, the next facts with respect to retail banking services and retail banking products and solutions supplied and provided by the financial institution during Every single calendar yr:
The Board considers The provision of remote services amenities in the following geographic areas:
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