A lender may perhaps specify choice weights for averaging exam overall performance throughout evaluation regions or other geographic regions. These different weights must be dependant on the financial institution's capacity and Local community wants and alternatives in distinct geographic places.
(E) The bank fails to supply data asked for by the Board that is necessary for the Board to create an educated conclusion.
(ii) If a substantial bank is no more necessary to delineate a retail lending assessment location Formerly discovered from the prepare due to not meeting the necessary retail lending assessment region thresholds pursuant to § 228.
If your Board gets a general public comment ahead of the shut date of a bank's CRA examination, the general public remark will probably be regarded in connection with that CRA assessment.
) An index of the geographic regions served with the Neighborhood growth loan or Neighborhood enhancement financial investment, specifying any county, Point out, multistate MSA, or nationwide space served; and
The Board may perhaps regulate a small financial institution score from “Satisfactory” to “Excellent” for the establishment level where the financial institution requests and gets additional thing to consider for the next things to do, without having regard to whether or not the activity is in one or more with the lender's facility-primarily based evaluation locations, as applicable:
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) Advantages or serves one or more geographic spots with very low levels of community development financing;
A bank or price savings Affiliation's history of general performance may be the foundation for denying or conditioning acceptance of the software stated in paragraph (a) of this portion.
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When you've got inquiries for the Company that issued the current document be sure to contact the agency immediately.
(ii) The variety and share of originations and programs of combination property finance loan lending of all lenders reporting HMDA details in the facility-dependent evaluation place and as relevant, the retail lending assessment spot; and
A bank required to report property mortgage loan loan data pursuant to 12 CFR portion 1003 will have to include in its public file a created recognize which the lender's HMDA Disclosure Assertion can be attained on The customer Money Defense Bureau's (CFPB's) Internet site at: