A bank may perhaps specify alternate weights for averaging check performance across evaluation spots or other geographic areas. These alternate weights has to be depending on the bank's ability and Local community wants and chances in distinct geographic parts.
(2) A retail lending evaluation area may well not lengthen further than a State boundary Until the retail lending evaluation space consists of counties inside a multistate MSA.
Aside from a little bank that opts to become evaluated pursuant to the Retail Lending Exam in § 228.22, the Board assigns conclusions for the overall performance of a small bank evaluated below this part as delivered in appendix E to this section.
The Board publishes on its public Web site, at least thirty times upfront of the start of each calendar quarter, a summary of banking companies scheduled for CRA examinations for the following two quarters.
A bank that gained a less than “Satisfactory” institution rating all through its most recent evaluation must include in its community file a description of its latest attempts to improve its efficiency in assisting to meet up with the credit history demands of its overall Local community.
(ii) Why an evaluation on the financial institution pursuant to any element of a approach in paragraph (d)(one) of this area would extra meaningfully replicate a financial institution's history of assisting to fulfill the credit rating demands of its community than if it had been evaluated beneath the effectiveness exams that could use inside the absence of the accepted approach; and
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(one) Revitalization or stabilization, crucial Group amenities, vital Group infrastructure, and disaster preparedness and temperature resiliency pursuits in Indigenous Land Parts are routines especially specific to and performed in Indigenous Land Parts.
The dollar quantity from the constrained intent bank's community growth loans and Group development investments that reward or serve the Condition or multistate MSA and an assessment of your impact and responsiveness of those loans and investments, as presented in § 228.15.
(7) Details indicating which the credit history requires of the ability-centered assessment area or retail lending evaluation region are not becoming satisfied by lenders while in the mixture, this sort of that the suitable benchmarks don't sufficiently replicate Local community credit history needs.
For every of the big bank's facility-centered assessment areas, and as applicable, its retail lending evaluation places, the Board publishes on the Board's Site:
(1) All penned responses acquired from the general public for The present year (current on the quarterly foundation for your prior quarter by March 31, June thirty, September thirty, and December 31) and each in the prior two calendar several years that specifically relate to the lender's effectiveness in helping to fulfill Neighborhood credit history wants, and any reaction towards the reviews through the lender, if neither the remarks nor the responses comprise statements that reflect adversely on The great identify or standing of any individuals besides the lender or publication of which might violate specific provisions of law;
For each big solution line, a Borrower Community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this element for facility-based mostly assessment areas and retail lending evaluation regions, and paragraph IV.e of appendix A to this portion for outside retail lending places.
(B) The extent to which the program has adequately justified the necessity for just a approach and get more info every element of the system as demanded in paragraph (d) of the portion.