The Board testimonials the influence and responsiveness from the financial institution's Group progress loans and Neighborhood progress investments that reward or serve a State, as delivered in § 228.15.

설정한 아이디는 나중에 변경할 수 없으니 신중하게 입력해주세요. 변경 전 공유된 블로그/글/클립 링크는 연결이 끊길 수 있습니다.

Aside from a small bank that opts being evaluated pursuant towards the Retail Lending Exam in § 228.22, the Board assigns conclusions to the effectiveness of a small lender evaluated under this segment as delivered in appendix E to this part.

The Board publishes on its general public Web page, at the least 30 times beforehand of the start of each calendar quarter, an index of banking companies scheduled for CRA examinations for the following two quarters.

The Board assessments the effects and responsiveness of the lender's Local community enhancement loans and Group enhancement investments that profit or serve a facility-primarily based assessment space, as offered in § 228.15.

Pursuant to twelve U.S.C. 2906, the Board supplies conclusions derived underneath this aspect independently for metropolitan areas in which a lender maintains a number of domestic branch offices and with the nonmetropolitan location of the State if a lender maintains one or more domestic branch workplaces in these kinds of nonmetropolitan place.

signifies a bank, excluding a bank selected like a minimal intent bank pursuant to § 228.26, that experienced belongings of less than $600 million as of December 31 in both from the prior two calendar many years. The Board adjusts and publishes the dollar determine Within this definition every year determined by the yr-to-year alter in the typical of The customer Price tag Index for Urban Wage Earners and Clerical Personnel, not seasonally altered, for every twelve-month period of time ending in November, with rounding to the closest million.

If an intermediate lender opts to be evaluated pursuant into the Neighborhood Enhancement Funding Exam in § 228.24, the Board evaluates the intermediate bank for the analysis time period previous the bank's following CRA assessment pursuant for the Community Growth Funding Examination in § 228.24 and continues evaluations pursuant to this general performance examination for subsequent analysis durations right up until the lender opts out.

signifies a bank, excluding a lender selected to be a restricted purpose lender pursuant to § 228.26, that had belongings of at the least $two billion as of December 31 in both equally in the prior two calendar many years. The Board adjusts and publishes the determine In this particular definition yearly, determined by the calendar year-to-year improve in the average of the Consumer Price Index for City Wage Earners and Clerical Workers, not seasonally adjusted, for every twelve-thirty day period interval ending in November, with rounding to the nearest million.

구글이나 빙 등 다른 검색 엔진을 사용하고 있다면, 검색창에 "네이버"를 입력하고 검색하면 네이버 홈페이지를 바로 찾아볼 수 있습니다.

The Board evaluates a bank's remote services facility availability within a facility-primarily based assessment region based on the following:

A considerable lender need to obtain and report back to the Board yearly by April 1 a summary of Each and every retail lending evaluation area displaying the States, MSAs, and counties from the retail lending assessment area for your prior calendar calendar year.

A financial institution have to more info incorporate in its plan a focus on the credit history demands of its complete community, which include very low- and reasonable-earnings people today, family members, or households, very low- and moderate-cash flow census tracts, and compact businesses and smaller farms. The bank ought to describe how its prepare is aware of the traits and credit history wants of its facility-based assessment parts, retail lending assessment places, outside the house retail lending location, or other geographic spots served through the lender, contemplating community comment as well as the financial institution's potential and constraints, item choices, and business enterprise tactic. As relevant, a financial institution will have to specify components in its program for assisting to meet up with:

means a channel through which financial institutions give retail banking providers electronically, for instance on line banking or cell banking.