A financial institution may perhaps put together a single system or individual programs for its facility-based evaluation spots, retail lending assessment parts, outside retail lending place, or other geographic locations that could be evaluated within the absence of an authorised strategy.
(six) A map of each and every facility-primarily based evaluation area and, as applicable, Each individual retail lending evaluation area displaying the boundaries of the region and figuring out the census tracts contained in the region, either over the map or in a very different listing; and
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(1) For banks that manage a website, all information and facts necessary to the financial institution's general public file beneath this portion must be taken care of around the bank's Site.
The Board critiques the affect and responsiveness of a bank's Neighborhood enhancement loans and Local community enhancement investments that gain or serve a facility-dependent evaluation place, as supplied in § 228.fifteen.
When the Board gets a public comment after the shut day of a financial institution's CRA evaluation, it will be deemed in connection with the bank's subsequent CRA examination.
The Board's consideration of your branch distribution metrics is knowledgeable by the next benchmarks:
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The confined reason bank's Neighborhood progress financing efficiency in all of its facility-based mostly assessment spots; and
In the facility-based assessment space or exterior retail lending location, a product line is A significant merchandise line If your financial institution's loans in that products line comprise 15 percent or maybe more in the lender's loans throughout all the financial institution's solution strains in the ability-centered assessment place or exterior retail lending location, as established pursuant to paragraph II.b.one of appendix A to this element.
(A) A duplicate of the public area of the financial institution's newest CRA functionality evaluation and an index of companies furnished by the branch; and
For house home finance loan loans, the lender will have to detect the house mortgage loans described by its operations subsidiary underneath twelve CFR aspect 1003, if applicable, or accumulate and keep information on home mortgage loans by its functions subsidiary that the financial institution would have collected and preserved pursuant to paragraph (a)(three) of this section had the lender originated or obtained the here loans.
A financial institution ought to retain a community file, in either paper or digital format, that includes the next info:
(1) For banking companies that manage an internet site, all data essential for your bank's general public file underneath this segment should be managed to the bank's Web-site.