usually means a corporation meant to provide, in outcome, as a independently included department of the financial institution, carrying out, at areas at which the bank is authorized to have interaction in company, capabilities the bank is empowered to conduct specifically.
The Board evaluates a financial institution's department availability and companies inside of a facility-primarily based assessment spot based on the following:
관심 분야의 기사, 블로그 콘텐츠부터 숏폼, 쇼핑까지 다양한 콘텐츠를 이용할 수 있습니다.
(B) The Board evaluates the tiny lender to the evaluation period of time preceding the financial institution's upcoming CRA examination pursuant into the Retail Lending Examination in § 228.22 and proceeds evaluations less than this effectiveness check for subsequent analysis durations right up until the lender opts out.
(ix) An indicator for whether or not the loan was to a company or farm with gross once-a-year revenues bigger than $one million; and
(ii) Why an evaluation in the bank pursuant to any facet of a prepare in paragraph (d)(1) of this section would extra meaningfully replicate a financial institution's report of helping to meet up with the credit rating demands of its Neighborhood than if it were evaluated under the efficiency exams that will apply within the absence of the permitted system; and
(iv) Whether to solicit further public input or demand the financial institution to provide any additional reaction to community enter now been given.
Revitalization or stabilization comprises actions that guidance revitalization or stabilization of targeted census tracts, like adaptive reuse of vacant or blighted properties, brownfield redevelopment, help more info of the plan for a business enhancement district or most important street method, or any other activity that supports revitalization or stabilization, and that:
The Board critiques the impact and responsiveness with the financial institution's Neighborhood development loans and Local community growth investments that benefit or provide a multistate MSA, as offered in § 228.fifteen.
구글이나 빙 등 다른 검색 엔진을 사용하고 있다면, 검색창에 "네이버"를 입력하고 검색하면 네이버 홈페이지를 바로 찾아볼 수 있습니다.
The Board evaluates an intermediate lender's report of helping to satisfy the credit desires of its full community pursuant on the Retail Lending Examination in § 228.
implies a loan, which include a lawfully binding motivation to extend credit rating, for instance a standby letter of credit, that supports Neighborhood progress, as explained in § 228.13. A Neighborhood progress loan does not incorporate any dwelling mortgage loan loan viewed as underneath the Retail Lending Test in § 228.
A lender ought to incorporate in its program a focus on the credit history demands of its whole Group, like reduced- and reasonable-earnings people today, households, or homes, reduced- and reasonable-income census tracts, and modest companies and smaller farms. The bank have to explain how its program is conscious of the characteristics and credit demands of its facility-centered assessment places, retail lending evaluation spots, outdoors retail lending spot, or other geographic spots served through the financial institution, considering public comment along with the lender's potential and constraints, product offerings, and enterprise method. As applicable, a financial institution have to specify parts in its system for assisting to fulfill:
(one) For financial institutions that retain a web site, all facts essential to the bank's general public file underneath this area has to be maintained over the financial institution's Site.