질문과 답변을 제공하는 서비스입니다. 궁금한 점이 있다면 지식인에서 검색해 보세요.
The Office with the Federal Sign-up publishes documents on behalf of Federal organizations but does not have any authority in excess of their packages. We suggest you directly Make contact with the company connected to the material in dilemma.
The Board rates the overall performance of the intermediate lender evaluated beneath this area as supplied in appendix D to this aspect.
(B) The Board evaluates the modest lender for your evaluation time period preceding the financial institution's subsequent CRA evaluation pursuant to your Retail Lending Exam in § 228.22 and continues evaluations below this performance check for subsequent analysis intervals until the bank opts out.
The Board evaluates a lender's Group progress solutions functionality inside of a facility-based evaluation region and assigns a conclusion for any facility-based mostly assessment location, by thinking of a number of of the next:
(ii) If a big bank is not really matter to reporting less than 12 CFR aspect 1003 because of the location of its branches, but would usually fulfill the house Home finance loan Disclosure Act (HMDA) sizing and lending exercise requirements pursuant to 12 CFR part 1003, the lender must collect and maintain, in Digital type, as prescribed because of the Board, until the completion of your financial institution's future CRA assessment where the information are evaluated, the subsequent knowledge, for every closed-stop house home loan loan, excluding multifamily loans, originated or procured through the analysis period:
(four) Lacking or defective information that could be essential to estimate the relevant metrics and benchmarks or every other variables that protect against the Board from calculating a Retail Lending Test advised conclusion.
A bank need to delineate one or more facility-primarily based assessment places within just which the Board evaluates the lender's report of helping to satisfy the credit rating desires of its overall Local community pursuant on the effectiveness assessments and strategic prepare explained in § 228.21.
The more info Board evaluates a lender's community progress solutions performance within a Condition or multistate MSA, as relevant, or nationwide area, and assigns a conclusion for anyone spots, according to the following two parts:
) of the area, a lender may well supply different weights for averaging alongside one another the general performance across these loan products and solutions and may include things like These loan merchandise within the numerator with the Lender Quantity Metric.
(A) A copy of the general public section with the bank's most up-to-date CRA efficiency analysis and a list of services provided by the department; and
검색, 뉴스, 쇼핑, 숏폼 등 다양한 서비스와 콘텐츠를 한 곳에서 만날 수 있는
(2) A house home loan loan or perhaps a multifamily loan is situated inside the census tract where the residence securing the loan is located; and
(three) The lender may not assert community advancement loans or Local community progress investments accounting for more than its percentage share (according to the level of its participation or expense) of the entire loans or investments made by the consortium or 3rd party.