The Board critiques the influence and responsiveness in the lender's Neighborhood enhancement loans and community growth investments that profit or serve a State, as presented in § 228.fifteen.
A financial institution needed to report residence home loan loan data pursuant to 12 CFR portion 1003 need to incorporate in its general public file a prepared notice that the financial institution's HMDA Disclosure Assertion may be acquired on The customer Financial Protection Bureau's (CFPB's) Web page at:
The Board costs the effectiveness of the intermediate lender evaluated under this segment as furnished in appendix D to this part.
Factors regarded as in analyzing the affect and responsiveness of a bank's community improvement loans, community development investments, and community improvement services consist of, but usually are not limited to, whether or not the Local community advancement loan, community improvement investment decision, or community enhancement assistance:
The Restricted Objective Lender Local community Growth Financing Metric steps the dollar quantity of a lender's Neighborhood advancement loans and community progress investments that advantage or serve all or Section of the nationwide location in comparison with the lender's assets calculated pursuant to paragraph III.a of appendix B to this section.
(1) Establishes the framework and requirements by which the Board assesses a financial institution's history of responding towards the credit rating requires of its whole Neighborhood, like small- and average-revenue neighborhoods, in keeping with the Harmless and seem Procedure of your lender; get more info and
(six) A financial institution's closed-close home home loan lending, little enterprise lending, little farm lending, or automobile lending in distressed or underserved nonmetropolitan Center-profits census tracts wherever a financial institution's nonmetropolitan facility-based mostly assessment area or nonmetropolitan retail lending evaluation spot contains very few or no low- and average-cash flow census tracts; and
) Added benefits or serves a number of geographic regions with minimal amounts of Neighborhood development financing;
signifies a financial institution, excluding a bank selected to be a minimal function financial institution pursuant to § 228.26, that had belongings of no less than $2 billion as of December 31 in each of the prior two calendar decades. The Board adjusts and publishes the determine On this definition annually, dependant on the 12 months-to-year improve in the common of the Consumer Value Index for City Wage Earners and Clerical Workers, not seasonally altered, for each twelve-thirty day period time period ending in November, with rounding to the closest million.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
The Board considers the loans, investments, companies, and products of affiliate marketers of a lender that aren't operations subsidiaries, within the financial institution's choice, issue to the next:
A big financial institution ought to obtain and manage, in a format from the bank's selecting or within a standardized format, as provided by the Board, until finally the completion on the financial institution's following CRA evaluation through which the information are evaluated, the following community development services details:
Pursuant to § 228.28 and appendix C to this element, the Board assigns conclusions for just a financial institution's Community Advancement Services Examination effectiveness in Just about every facility-based evaluation spot, Each individual Condition or multistate MSA, as applicable, and for the establishment.
(B) The extent to which the program has adequately justified the need to get a strategy and each aspect of the strategy as needed in paragraph (d) of this section.