The Board evaluates a lender's retail banking goods supplied during the lender's facility-dependent evaluation spots and nationwide, as applicable, with the establishment level as follows:
설정한 아이디는 나중에 변경할 수 없으니 신중하게 입력해주세요. 변경 전 공유된 블로그/글/클립 링크는 연결이 끊길 수 있습니다.
Disaster preparedness and climate resiliency functions help folks and communities to organize for, adapt to, and endure purely natural disasters or climate-connected risks or disasters. Catastrophe preparedness and weather conditions resiliency functions gain or serve qualified census tracts and:
(one) A customer loan is found within the census tract where by the borrower resides at enough time that the borrower submits the loan software;
(4) Are provided to people today in a office where virtually all staff are small- or moderate-money, based on U.S. Bureau of Labor Figures details for the common wage for employees in that exact occupation or sector;
The Board considers the department availability and companies provided at branches of financial institutions that operate one or more branches pursuant to paragraph (b)(two) of the segment.
(two) A copy of the general public part of the bank's newest CRA efficiency analysis well prepared through the Board. The financial institution must involve this duplicate in the public file inside of 30 organization times just after its receipt with the Board;
Pursuant to § 228.21, the Local community Improvement Financing Take a look at evaluates the financial institution's record of helping to meet up with the credit rating desires of its whole Group via Local community improvement loans and Local community advancement investments (
To judge a bank's retail banking solutions, the Board considers a bank's department availability and services offered at branches, distant services facility availability, and digital shipping and delivery programs and various shipping and delivery programs, as follows:
(five) Whether the Retail Lending Take a look at recommended summary does not accurately replicate the lender's effectiveness in the Retail Lending Take a look at Location wherein a number of from the lender's significant merchandise traces includes fewer than 30 loans;
(B) Why it is necessary and appropriate to amend its prepare within the absence of a cloth get more info improve in circumstances.
The Board considers the weighted average on the functionality scores equivalent to the lender's conclusions for that Neighborhood Development Financing Exam for its facility-primarily based evaluation regions within the nationwide space, calculated pursuant to portion IV of appendix B to this element.
글보내기 기능을 제한합니다. 네이버는 블로그를 통해 저작물이 무단으로 공유되는 것을 막기 위해, 저작권을 침해하는 컨텐츠가 포함되어 있는 게시물의 경우 글보내기 기능을 제한하고 있습니다.
suggests a channel by which banking institutions present retail banking providers electronically, for instance online banking or mobile banking.