(ii) Every one of the counties in the nonmetropolitan area of the State (utilizing the MSA boundaries which were in effect as of January 1 with the calendar 12 months where the delineation applies), excluding:
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The Board premiums the effectiveness of the intermediate financial institution evaluated under this area as supplied in appendix D to this portion.
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
If a lender established annual measurable ambitions and would not satisfy one or more of its satisfactory objectives, the Board will consider the next components to determine the impact on a lender's CRA general performance analysis:
(ii) If a significant bank will not be issue to reporting beneath twelve CFR section 1003 as a result of The situation of its branches, but would normally meet up with the house House loan Disclosure Act (HMDA) dimension and lending action specifications pursuant to twelve CFR portion 1003, the financial institution ought to collect and preserve, in Digital kind, as prescribed via the Board, till the completion in the lender's subsequent CRA examination in which the information are evaluated, the subsequent knowledge, for each shut-conclude residence mortgage loan, excluding multifamily loans, originated or procured during the analysis period:
The CRA and this section don't require a lender to originate or purchase loans or investments or to provide expert services which can be inconsistent with Harmless and audio banking practices, such as underwriting standards.
If an intermediate bank opts to get evaluated pursuant for the Group Improvement Financing Test in § 228.24, the Board evaluates the intermediate lender for your evaluation period preceding the lender's up coming CRA evaluation pursuant to the Neighborhood Enhancement Financing Test in § 228.24 and continues evaluations pursuant to this general performance test for subsequent evaluation durations until the bank opts out.
suggests a loan to a number of people today for residence, household, or other private expenditures Which is one of the next varieties of loans:
Should you have questions to the Company that issued The existing document be sure to Call the agency right.
An intermediate bank or a little financial institution for which automobile loans are an item line may well collect and maintain inside of a structure from the lender's deciding upon, which include in an Digital kind prescribed from the Board, until finally the completion in the lender's upcoming CRA examination wherein the information are evaluated, the info described in paragraphs (a)(2)(iii)(A) through (F) of the part for every vehicle loan originated or obtained with the bank in the evaluation interval.
(x) An indicator for whether or not the loan was to a company or farm for which gross once-a-year revenues are not recognized through the bank.
(B) The Nationwide Neighborhood Development Financial investment Benchmark actions the greenback volume of Local community improvement investments that gain or serve all or Section of the nationwide space, excluding home finance loan-backed securities, of all huge depository establishments that had property bigger than $10 billion as of December 31 in both equally of the prior two calendar yrs when compared with deposits situated in the nationwide region for anyone depository establishments, calculated pursuant to paragraph II.n of appendix B to this more info part.
A financial institution need to maintain a public file, in both paper or electronic format, that includes the subsequent info: