(1) Facts indicating that a financial institution purchased closed-close property home loan loans, smaller enterprise loans, small farm loans, or automobile loans for the only or primary function of inappropriately maximizing its retail lending functionality, including, but not restricted to, information indicating subsequent resale of these loans or any indicator that these kinds of loans are deemed in several depository institutions' CRA evaluations, in which scenario the Board does not contemplate such loans within the lender's general performance evaluation;
The Board may alter the rating of the intermediate lender evaluated as delivered in paragraph (a)(two) of this section from “Satisfactory” to “Excellent” on the institution amount where by the lender requests and receives added thought for things to do that will qualify pursuant on the Retail Expert services and Solutions Take a look at in § 228.23.
indicates retail money companies provided by a lender to buyers, smaller corporations, or tiny farms and contain a lender's programs for offering retail fiscal solutions.
Should the Board gets a community comment before the shut day of a bank's CRA assessment, the general public comment will likely be deemed in connection with that CRA assessment.
) Unique information about the dollar quantity of the Local community growth loan or community progress financial commitment which was allocated to every county served because of the loan or investment, if accessible.
The Board evaluates a substantial lender's file of assisting to fulfill the credit rating desires of its full Neighborhood in its exterior retail lending location check here pursuant to § 228.
Pursuant to § 228.28 and appendix D to this aspect, the Board incorporates a financial institution's Retail Lending Examination conclusions into its Condition or multistate MSA ratings, as relevant, and its institution rating.
(ii) In step with paragraph (g) of the area, a bank's approach may possibly incorporate optional evaluation factors or qualified modifications and additions into the overall performance assessments that would use within the absence of the authorized approach.
(B) Inside five calendar times with the ask for, all the data which the lender is required to take care of under this section in the public file regarding the power-centered evaluation area during which the branch is situated.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
To receive a designation like a minimal intent lender, a lender must file a created request Using the Board at the very least 90 times ahead of the proposed effective day of your designation.
(4) The selection and dollar volume of Local community advancement loans and Local community development investments noted as originated or ordered inside of Each and every facility-centered evaluation area, Just about every Point out by which the financial institution contains a branch, Each and every multistate MSA where a lender contains a department in two or more States in the multistate MSA, and nationwide place beyond these States and multistate MSAs.
(B) A substantial bank may possibly modify the Retail Providers and Products and solutions Check by taking away a component on the exam.
(i) The whole thing of only one MSA (using the MSA boundaries that were in outcome as of January 1 on the calendar year through which the delineation applies), excluding any counties inside the massive lender's facility-primarily based evaluation spots; or