A financial institution may well specify different weights for averaging test overall performance throughout assessment spots or other geographic areas. These substitute weights needs to be determined by the bank's capacity and Neighborhood wants and possibilities in certain geographic areas.
(E) Allocation of your greenback number of the community progress loan or Neighborhood development financial commitment to geographic spots served because of the loan or financial commitment:
The Board evaluates a restricted purpose bank's Neighborhood advancement financing efficiency in Just about every Condition or multistate MSA, as applicable pursuant to §§ 228.
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A financial institution topic to facts reporting requirements pursuant to § 228.forty two have to include things like in its community file a published observe which the CRA Disclosure Statement pertaining on the lender, its functions subsidiaries, and its other affiliate marketers, if relevant, could possibly be acquired within the FFIEC's website at:
(ii) If a significant bank will not be topic to reporting beneath 12 CFR component 1003 as a consequence of the location of its branches, but would or else meet up with the Home Mortgage Disclosure Act (HMDA) dimension and lending activity requirements pursuant to twelve CFR portion 1003, the bank need to accumulate and manage, in Digital sort, as prescribed via the Board, right up until the completion from the financial institution's upcoming CRA assessment during which the info are evaluated, the following info, for every closed-end residence house loan loan, excluding multifamily loans, originated or purchased during the analysis period of time:
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) Massive banking institutions that had property a lot less than or equal to $10 billion as of December 31 in possibly from the prior two calendar a long time and that don't work branches.
The Board assessments the effects and responsiveness with the financial institution's Local community advancement loans and Neighborhood development investments that benefit or serve a multistate MSA, as offered in § 228.15.
(two) A significant financial institution is just not required to delineate retail lending evaluation places for a particular calendar calendar year if, within the prior two calendar years, the big lender originated or ordered inside of its facility-primarily based evaluation locations more than 80 % of 228 loan its house mortgage loans, multifamily loans, modest company loans, smaller farm loans, and auto loans if vehicle loans are an item line for the massive bank as described in paragraph II.a.one of appendix A to this part.
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(B) For big banks that had property fewer than or equal to $ten billion as of December 31 in possibly of the prior two calendar a long time, the Board considers a financial institution's deposit products and solutions only at the bank's solution.
Notwithstanding the requirements of the section, a armed service bank whose customers usually are not located in an outlined geographic location may possibly delineate the entire United states of america and its territories as its sole facility-based mostly assessment region.
A financial institution needed to report residence home loan loan facts pursuant to twelve CFR section 1003 ought to consist of in its community file a penned recognize the lender's HMDA Disclosure Assertion might be acquired on The customer Economical Protection Bureau's (CFPB's) Web site at: