The Board assessments the affect and responsiveness with the lender's community development loans and community advancement investments that advantage or provide a Condition, as provided in § 228.15.
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Catastrophe preparedness and weather conditions resiliency activities guide men and women and communities to arrange for, adapt to, and withstand pure disasters or weather-connected threats or disasters. Disaster preparedness and climate resiliency pursuits profit or serve focused census tracts and:
In Every relevant Retail Lending Take a look at Spot, the Board evaluates originated and bought loans in each of the next item traces that is a big solution line, as explained in paragraph (d)(2) of this portion:
(i) Why the bank's business enterprise design is outside the house the scope of, or inconsistent with, one or more components of the functionality tests that will implement within the absence of the approved prepare;
For every major solution line, a Geographic Neighborhood Benchmark, calculated pursuant to paragraph III.c of appendix A to this portion for facility-dependent evaluation parts and retail lending evaluation regions, and paragraph III.e of appendix A to this aspect for outdoor retail lending parts.
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These disclosure statements show the amount and dollar amount of all small small business loans and smaller farm loans originated or ordered for each census tract as well as the quantity and greenback volume of all community growth loans and Local community progress investments for every county by reporting financial institutions, besides which the Board could regulate the get more info form of the disclosure if vital, as a consequence of Particular situations, to safeguard the privacy of a borrower or perhaps the aggressive place of a financial institution.
(B) The Board establishes that analysis beneath the prepare would not provide a much more meaningful reflection of the lender's history of assisting to satisfy the credit score requirements of the lender's Group;
(i) All the data demanded to the bank's community file needs to be maintained at the principle Business and, if an interstate bank, at 1 branch Business office in Each individual Point out; and
(A) A lender may well specify yearly measurable objectives for Group progress loans, Neighborhood improvement investments, or both. The financial institution should foundation any yearly measurable objectives as a proportion or ratio with the bank's Group enhancement loans and Local community improvement investments for all or sure types of community progress described in § 228.
A sizable bank need to accumulate and report back to the Board per year by April one a listing of Each individual retail lending evaluation space demonstrating the States, MSAs, and counties within the retail lending assessment region for your prior calendar yr.
(B) A financial institution may perhaps specify making use of belongings as a substitute denominator for your community growth funding metric if it much better actions a lender's potential.
The Financial institution Multistate MSA Community Growth Financing Metric actions the dollar volume of the financial institution's Local community enhancement loans and Neighborhood advancement investments that reward or provide a multistate MSA when compared with deposits while in the bank located in the multistate MSA, calculated pursuant to paragraph II.g of appendix B to this part.