(1) Info indicating that a financial institution bought shut-finish property house loan loans, tiny business loans, small farm loans, or car loans for the sole or Main reason of inappropriately boosting its retail lending performance, which include, but not limited to, info indicating subsequent resale of this kind of loans or any indicator that these loans are already deemed in several depository establishments' CRA evaluations, by which situation the Board would not take into consideration these kinds of loans in the bank's functionality analysis;
(six) A map of each and every facility-based assessment space and, as applicable, Just about every retail lending assessment location showing the boundaries of the area and figuring out the census tracts contained in the region, either around the map or inside a individual record; and
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(v) To acquire ownership or Charge of shares or all or substantially the entire property of the cost savings Affiliation, to induce a personal savings association to be a subsidiary of the price savings and loan holding corporation, or to merge or consolidate a personal savings and loan holding corporation with almost every other cost savings and loan Keeping firm in a transaction that requires acceptance beneath segment 10 of the Home Entrepreneurs' Loan Act (twelve U.S.C. 1467a).
(ii) Inside the prior two calendar many years, the lender originated or obtained outside the financial institution's facility-based evaluation areas in excess of 50 % of your bank's household home loan loans, multifamily loans, small organization loans, small farm loans, and car loans if vehicle loans are an item line for your financial institution, as described in paragraph more info II.a.two of appendix A to this section.
) Benefits or serves one or more geographic spots with minimal amounts of community progress funding;
If an intermediate financial institution opts to become evaluated pursuant to your Community Growth Financing Examination in § 228.24, the Board evaluates the intermediate bank with the evaluation interval previous the bank's future CRA examination pursuant on the Community Growth Funding Check in § 228.24 and proceeds evaluations pursuant to this performance take a look at for subsequent analysis durations till the financial institution opts out.
Subject to the geographic requirements in paragraph (b) of the area, a big bank will have to delineate, for a certain calendar yr, a retail lending assessment area in almost any MSA or inside the nonmetropolitan place of any Condition during which it originated:
suggests a shut-conclude household home finance loan loan or an open up-conclusion household property finance loan loan as these conditions are outlined With this section.
For each of the massive financial institution's facility-primarily based evaluation spots, and as relevant, its retail lending assessment spots, the Board publishes over the Board's Web page:
A large bank should acquire and report to the Board each year by April 1 a summary of Every single retail lending evaluation spot exhibiting the States, MSAs, and counties during the retail lending evaluation space with the prior calendar calendar year.
Upon request, a bank will have to present copies, either on paper or in electronic kind acceptable to the individual creating the ask for, of the information in its community file. The financial institution may well cost an inexpensive cost not to exceed the expense of copying and mailing (if not supplied in electronic type).
A substantial bank will have to accumulate and sustain in electronic sort, as prescribed through the Board, till completion of your financial institution's subsequent CRA assessment during which the info are evaluated, the next details with respect to retail banking solutions and retail banking items offered and provided by the financial institution for the duration of Every single calendar year: