The Board opinions the affect and responsiveness in the lender's Group progress loans and community improvement investments that gain or provide the nationwide area, as furnished in § 228.15.
(one) A nonmetropolitan middle-revenue census tract is selected as distressed whether it is in a county that meets a number of of the following conditions:
) The quantity of checking and price savings accounts opened digitally and through other supply programs by census tract cash flow amount for each calendar calendar year; and
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(ix) An indicator for if the loan was to a company or farm with gross yearly revenues better than $one million; and
The Board considers the weighted typical on the performance scores comparable to the lender's Community Advancement Financing Examination conclusions for its facility-primarily based assessment places in the Point out, pursuant to segment IV of appendix B to this section.
) Benefits or serves one or more geographic regions with reduced levels of Local community advancement funding;
For a large lender necessary to report home mortgage loan info pursuant to twelve CFR aspect 1003, the Board will publish about the Board's Web site the info necessary by paragraph (j)(two) of the segment regarding the distribution of a big financial institution's originations and applications of residence home loan loans by borrower or applicant income level, race, and ethnicity in Every single of your financial institution's facility-primarily based evaluation locations, and as relevant, its retail lending evaluation locations. This information and facts is revealed yearly dependant on information described pursuant to twelve CFR element 1003.
indicates the period of time, frequently in calendar decades, throughout which a bank carried out the functions which the Board evaluates inside of a CRA examination, in accordance Together with the Board's pointers and strategies.
(i) All the information required for the bank's public file has to be taken care of at the principle Business office and, if an interstate financial institution, at one particular department Office environment in Each and every State; and
For each of the big lender's facility-based mostly evaluation spots, and as relevant, its retail lending assessment parts, the Board publishes over the Board's Internet site:
) of the part in a similar calendar calendar year, of the Local community growth loan refinanced more info or renewed within a yr subsequent towards the year of origination or purchase, as of December 31 of your calendar calendar year for yearly the loan remains on the lender's harmony sheet; or an existing Group enhancement investment decision renewed within a calendar year subsequent into the 12 months the expenditure was created as of December 31 for on a yearly basis the expense continues to be about the bank's harmony sheet.
Notwithstanding the requirements of this segment, a military bank whose customers aren't located inside an outlined geographic place may well delineate the complete Usa and its territories as its sole facility-primarily based evaluation place.
implies a channel through which banking institutions supply retail banking expert services electronically, which include online banking or cell banking.