(A) The Agency decides that the bank hasn't presented ample justification with the prepare and every facet of the strategy as needed pursuant to paragraph (d) of this segment;
(one) A nonmetropolitan Center-earnings census tract is specified as distressed whether it is in a county that meets one or more of the following criteria:
(1) Any details about a lender's institutional capability or constraints, such as the dimensions and financial situation of the financial institution, protection and soundness restrictions, or any other financial institution-unique elements that substantially impact the lender's ability to supply retail lending, retail banking services and retail banking solutions, Local community development loans, Group progress investments, or Neighborhood growth products and services;
(B) Other than as presented in § 228.51(e), a sizable bank having a mixed complete of 10 or even more facility-based mostly evaluation places and retail lending assessment places in any Condition or multistate MSA, as applicable, or with the institution may well not receive a ranking of “Satisfactory” or “Excellent” in that Point out or multistate MSA, as relevant, or for your establishment, Except if the lender receives an overall summary of not less than “Low Satisfactory” in 60 percent or even more of the overall range of its facility-dependent evaluation spots and retail lending evaluation regions in that Condition or multistate MSA, as relevant, or for the institution.
(ix) An indicator for whether the loan was to a company or farm with gross yearly revenues increased than $1 million; and
The Board could change a small financial institution score from “Satisfactory” to “Superb” in the establishment stage where the lender requests and receives added thought for the next pursuits, with out regard to whether or not the exercise is in a number of with the bank's facility-centered evaluation locations, as applicable:
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The loans, investments, expert services, and merchandise of the bank's functions subsidiary has to be included in the financial institution's system, Unless of course the operations subsidiary is independently subject to CRA specifications.
(iv) The community improvement providers demands of its facility-based mostly assessment areas served by the lender that are covered through the program.
(seven) Facts indicating that the credit history demands of the facility-centered assessment space or retail lending assessment space are usually not currently being met by lenders from the aggregate, these that the appropriate benchmarks don't adequately replicate Local community credit desires.
(B) A bank besides a big lender could include things like a community development expert services element and accompanying yearly measurable aims in its strategy.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(ii) The Board considers an intermediate lender's Local community development loans, community progress investments, and community growth providers without regard to whether the exercise is designed in a number of with the financial institution's facility-dependent evaluation parts. The extent with the Board's thing to consider of Local community advancement loans, community enhancement investments, and Neighborhood advancement providers beyond the bank's facility-based assessment spots will depend on the adequacy of your bank's responsiveness to Group progress desires and opportunities in the lender's facility-centered evaluation parts and relevant effectiveness context info.
The lender will provide you with a document that outlines each of the conditions in the loan remaining presented. The information presented will include the costs and costs that you will be to blame for.