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. In addition, When the Board regarded as the house mortgage loan lending of the bank's operations subsidiaries or, in a lender's election, the Board regarded the house mortgage loan lending of other lender affiliates, the financial institution ought to incorporate in its community file the names with the operations subsidiaries along with the names of the affiliates plus a written notice the operations subsidiaries' together with other affiliate marketers' HMDA Disclosure Statements may be obtained with the CFPB's Web-site.
(B) The Board evaluates the modest financial institution for the evaluation period previous the lender's next CRA assessment pursuant to the Retail Lending Test in § 228.22 and continues evaluations under this efficiency exam for subsequent evaluation durations until eventually the bank opts out.
If a bank established annual measurable objectives and won't meet a number of of its satisfactory goals, the Board will consider the subsequent aspects to ascertain the effect on a lender's CRA effectiveness analysis:
The Board may well regulate a small bank score from “Satisfactory” to “Superb” on the establishment amount the place the financial institution requests and gets extra thing to consider for the following routines, with out regard to whether the action is in one or more in the bank's facility-based mostly evaluation parts, as relevant:
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Pursuant to § 228.21, the Neighborhood Growth Financing Examination evaluates the bank's file of helping to fulfill the credit history requirements of its overall Neighborhood by way of Neighborhood progress loans and community improvement investments (
The confined intent lender's Local community growth financing functionality in all of its facility-dependent assessment areas; and
An amendment to a strategy should comply with all appropriate necessities of this portion, unless the Board waives a need as not relevant.
(A) A financial institution might specify once-a-year measurable goals for Local community advancement loans, Group advancement investments, or each. The lender need to foundation any annual measurable ambitions for a percentage or ratio with the bank's Local community development loans and Local community progress investments for all or specific types of Neighborhood progress explained in § 228.
(3) The volume of lenders whose household home finance loan loans, multifamily loans, little enterprise loans, and little farm loans and deposits data are used to ascertain the applicable Retail Lending Quantity Threshold, geographic distribution market place benchmarks, and borrower distribution market place benchmarks;
(two) A home mortgage loan loan or a multifamily loan is situated from the census tract the place the house securing the loan is located; and
A substantial bank will have to obtain and retain in electronic variety, as prescribed because of the Board, until finally completion from the lender's up coming CRA examination where the data are evaluated, the subsequent info with more info regard to retail banking companies and retail banking goods available and provided by the financial institution throughout Just about every calendar year: