(one) Details indicating that a financial institution procured closed-conclusion property mortgage loan loans, compact business enterprise loans, smaller farm loans, or vehicle loans for the sole or Principal purpose of inappropriately maximizing its retail lending effectiveness, together with, although not limited to, facts indicating subsequent resale of this kind of loans or any indicator that such loans are thought of in numerous depository establishments' CRA evaluations, in which scenario the Board won't consider these kinds of loans during the bank's performance evaluation;
(E) The financial institution fails to supply facts requested with the Board that may be essential for the Board to generate an educated determination.
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(B) The Board evaluates the compact financial institution for the analysis period preceding the financial institution's up coming CRA examination pursuant on the Retail Lending Exam in § 228.22 and continues evaluations less than this general performance check for subsequent evaluation intervals until eventually the lender opts out.
The Board evaluates a lender's Local community progress expert services efficiency within a facility-based mostly assessment space and assigns a conclusion for just a facility-primarily based assessment spot, by thinking of one or more of the next:
For every important item line, a Geographic Local community Benchmark, calculated pursuant to paragraph III.c of appendix A to this component for facility-based assessment areas and retail lending assessment parts, and paragraph III.e of appendix A to this section for out of doors retail lending locations.
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A considerable bank must collect and retain in electronic sort, as prescribed by the Board, till the completion from the financial institution's future CRA assessment during which the information are evaluated, the next knowledge for each small business loan or little farm loan originated or bought by the lender during the analysis interval:
indicates a financial institution, excluding a financial institution designated to be a restricted purpose lender pursuant to § 228.26, that experienced belongings of no less than $2 billion as of December 31 in both from the prior two calendar years. The Board adjusts and publishes the figure During this definition every year, based upon the year-to-yr change in the typical of the Consumer Cost Index for Urban Wage Earners and Clerical Staff, not seasonally adjusted, for each twelve-thirty day period interval ending in November, with rounding to the closest million.
An Modification to the prepare should adjust to all applicable prerequisites of the part, Unless of course the Board waives a requirement as not relevant.
The Board evaluates a bank's remote support facility availability within a facility-primarily based assessment spot dependant on the following:
) of the part in exactly the same calendar calendar year, of a Local community progress loan refinanced or renewed inside a yr subsequent on the 12 months of origination or invest in, as of December 31 of your calendar calendar year for yearly which the loan stays about the financial institution's stability sheet; or an existing community advancement expense renewed in a very yr subsequent for the 12 months the financial commitment was designed as of December 31 for each and every year that the expense remains over the financial institution's stability sheet.
(B) The Nationwide Group Growth Investment decision Benchmark steps the dollar volume of Group progress investments that reward or provide all or Component of the nationwide location, excluding home finance loan-backed securities, of all massive depository establishments that experienced assets increased than $ten billion as of December 31 in both of those 228 loan in the prior two calendar many years in comparison to deposits situated in the nationwide space for anyone depository establishments, calculated pursuant to paragraph II.n of appendix B to this part.
A lender have to maintain a community file, in possibly paper or digital format, that includes the subsequent info: