signifies any company that controls, is managed by, or is beneath frequent Management with another business. The time period “control” has the this means specified to that phrase in twelve U.
(two) A retail lending assessment region may not prolong outside of a Condition boundary Except if the retail lending assessment space is made of counties in the multistate MSA.
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The Board works by using the retail lending assessment places delineated by a substantial bank in its analysis on the lender's shut-conclusion property house loan lending and tiny organization lending performance Except the Board establishes the retail lending assessment locations don't adjust to the requirements of the portion.
The Board may perhaps approve a plan following taking into consideration the criteria in paragraph (h)(three) of the segment and if it establishes the bank has supplied ample justification for your plan and every element of the program as expected in paragraph (d) of this area.
The Board considers the weighted average in the efficiency scores similar to the lender's Neighborhood Growth Financing Test conclusions for its facility-dependent assessment areas inside the State, pursuant to part IV of appendix B to this element.
(2) The dispersion of the financial institution's shut-conclusion home mortgage loan lending, little business lending, little farm lending, or auto lending inside a facility-primarily based evaluation place to determine whether or not you'll find gaps in lending that aren't discussed by efficiency context;
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The dollar quantity of the restricted objective bank's Neighborhood progress loans and Group enhancement investments that benefit or provide the Point out or multistate MSA and a review of your effects and responsiveness of Those people loans and investments, as furnished in § 228.fifteen.
For a substantial financial institution that had assets higher than $ten billion as of December 31 in both of those on the prior two calendar yrs, the Financial institution Nationwide Community Development Investment Metric steps the greenback volume of your financial institution's Local community progress investments that advantage or provide all or Portion of the nationwide spot, excluding home finance loan-backed securities, as compared to the deposits from the financial institution located in the nationwide space, calculated pursuant to paragraph II.m of appendix B to this portion.
The Board evaluates a lender's distant assistance facility availability in a facility-based assessment location based upon the next:
A considerable financial institution need to gather and preserve in Digital sort, as prescribed via the Board, right until completion with the financial institution's subsequent CRA assessment where the information are evaluated, the following details with regard to retail banking providers and retail banking goods provided and provided by the financial institution in the course of Every calendar calendar year:
For each key item line, a Borrower Group Benchmark, calculated pursuant to paragraph IV.c of appendix click here A to this component for facility-primarily based assessment regions and retail lending evaluation parts, and paragraph IV.e of appendix A to this aspect for out of doors retail lending locations.
has the identical meaning as that phrase is outlined through the Director of your Office of Administration and Spending plan.
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