The Board or its appointed agent, prepares on a yearly basis, for every MSA or metropolitan division (including an MSA or metropolitan division that crosses a State boundary) as well as the nonmetropolitan portion of Every single Condition, an aggregate disclosure statement of reported little business lending, compact farm lending, Group improvement lending, and community improvement investments by all depository establishments topic to reporting under this part or 12 CFR element twenty five or 345.

The Board may regulate the rating of an intermediate financial institution evaluated as supplied in paragraph (a)(2) of the portion from “Satisfactory” to “Outstanding” at the institution level exactly where the lender requests and gets added thing to consider for actions that might qualify pursuant to the Retail Services and Goods Check in § 228.23.

관심 분야의 기사, 블로그 콘텐츠부터 숏폼, 쇼핑까지 다양한 콘텐츠를 이용할 수 있습니다.

상세하게 안내해 드리지 못하는 점 양해 부탁 드립니다. 모두가 행복한 인터넷

(A) The Board considers the digital shipping and delivery programs and various delivery systems of the subsequent banking companies:

signifies a business, besides a farm, that experienced gross once-a-year revenues for its preceding fiscal 12 months of $5 million or a lot less.

(iv) No matter whether to solicit more general public input or involve the lender to deliver any more reaction to community enter already gained.

. The bank should incorporate the composed recognize in the general public file inside a few organization times following receiving notification in the FFIEC of the availability from the disclosure statement.

(iv) The community enhancement products and services requires of its facility-based evaluation regions served through the bank which have been coated by the approach.

(i) All the data needed to the bank's community file have to be maintained at the leading Business and, if an interstate bank, at 1 department Business in Just about every Condition; and

A lender must specify in its strategy how all elements of a plan coated in paragraphs (g)(1) by means of (5) of this portion, at the side of another applicable general performance tests not A part of an accredited strategic program, must be regarded as to assign:

(B) The Nationwide Asset-Dependent Group Advancement Financial investment Benchmark measures the greenback volume of community growth click here investments that profit or provide all or A part of the nationwide region, excluding property finance loan-backed securities, of all depository institutions that experienced assets higher than $ten billion as of December 31 in each of your prior two calendar a long time, in comparison to belongings for anyone depository establishments, calculated pursuant to paragraph III.e of appendix B to this portion.

(iii) A lender that includes additional general performance evaluation factors with accompanying yearly measurable plans in its strategy will have to specify the geographic regions exactly where These factors and aims implement.

Pursuant to § 228.21, the Retail Lending Test evaluates a financial institution's history of helping to fulfill the credit score requires of its complete Local community from the financial institution's origination and purchase of residence home finance loan loans, multifamily loans, modest company loans, and little farm loans.