The Board reviews the affect and responsiveness of the bank's Neighborhood enhancement loans and Neighborhood progress investments that profit or serve a State, as presented in § 228.15.
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If a army bank delineates the whole U.s. and its territories as its sole facility-based mostly assessment space pursuant to § 228.sixteen(d), the Board evaluates the bank completely for the institution level based on its performance in its sole facility-centered assessment spot.
The Board publishes on its general public Web-site, a minimum of 30 days in advance of the start of each and every calendar quarter, a summary of banking companies scheduled for CRA examinations for the subsequent two quarters.
The Board considers info supplied by the bank and may think about publicly offered information and facts and data supplied by authorities or Neighborhood sources that demonstrates that a Group enhancement services Added benefits or serves a facility-based mostly assessment area, Condition, or multistate MSA, or maybe the nationwide place.
The Board may well adjust a small bank ranking from “Satisfactory” to “Outstanding” for the establishment level in which the bank requests and receives extra consideration for the next functions, devoid of regard to whether the activity is in a number of of the lender's facility-based assessment regions, as applicable:
(B) The effectiveness in the lender's methods for providing retail banking companies and the availability and responsiveness with the lender's retail banking merchandise, pursuant to § 228.23, as relevant;
If an intermediate bank opts to get evaluated pursuant to the Neighborhood Enhancement Financing Take a look at in § 228.24, the Board evaluates the intermediate lender to the analysis period previous the financial institution's subsequent CRA evaluation pursuant into the Community Progress Funding Test in § 228.24 and continues evaluations pursuant to this effectiveness check for subsequent evaluation intervals right until the bank opts out.
A significant lender that experienced belongings greater than $10 billion as of December 31 in both equally of the prior two calendar many years should gather and keep every year, in electronic type, as prescribed with the Board, until eventually the completion with the financial institution's following CRA evaluation during which the data are evaluated, the dollar degree of its deposits for the county stage determined by deposit spot.
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The Board evaluates an intermediate financial institution's file of helping to meet the credit history requires of its full Local community pursuant on the Retail Lending Examination in § 228.
A large lender ought to accumulate and keep in electronic form, as prescribed by more info the Board, until completion of your financial institution's up coming CRA examination where the information are evaluated, the subsequent facts with respect to retail banking services and retail banking products and solutions made available and supplied by the lender for the duration of Each and every calendar calendar year:
(B) Any counties in which the large financial institution did not originate any closed-conclude household home loan loans or modest small business loans that are noted loans in the course of that calendar 12 months.
(ii) In the event the Board, the FDIC, as well as the OCC figure out that a loan or expense is no more suitable for Neighborhood enhancement thought, the proprietor in the loan or financial investment at the time on the determination will carry on to get Group improvement consideration to the remaining expression or duration of the loan or financial investment.