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A bank will have to make accessible to the public for inspection, on ask for and at no cost, the knowledge required With this area as follows:
The Board considers Group growth loans and Group advancement investments allocated pursuant to paragraph I.b of appendix B to this part.
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
) A list of the geographic areas served with the Local community development loan or Neighborhood improvement investment, specifying any county, Point out, multistate MSA, or nationwide area served; and
To build supporting conclusions for borrower distributions of shut-conclusion household house loan loans, compact enterprise loans, and little farm loans, the Board evaluates the bank's effectiveness by comparing the Borrower Financial institution Metric to effectiveness ranges, based on the Borrower Market Benchmark, Borrower Local community Benchmark, and multipliers, as described in paragraphs V.d and V.e of appendix A to this element.
For each of the lender's facility-centered evaluation parts, the Assessment Region Community Improvement Funding Benchmark actions the dollar volume of community improvement loans and Group progress investments that reward or provide the power-dependent evaluation area for all big depository establishments as compared to deposits located in the facility-based evaluation place for all significant depository institutions, calculated pursuant to paragraph II.b of appendix B to this section.
These disclosure statements reveal the amount and dollar number of all compact business loans and small farm loans originated or purchased for each census tract as well as the amount and greenback degree of all Local community growth loans and Neighborhood enhancement investments for every county by reporting banking institutions, other than which the Board may change the form with the disclosure if necessary, thanks to special situation, to protect the privateness of a borrower or perhaps the aggressive place of the bank.
(iv) The Neighborhood enhancement companies requires of its facility-based evaluation parts served because of the bank which might be coated from the approach.
(five) Whether the Retail Lending Check recommended conclusion isn't going to accurately mirror the financial institution's performance in the Retail Lending Examination Location wherein one or more on the lender's major merchandise traces is made up of fewer than 30 loans;
A small lender, or even a financial institution that was a little lender through the prior calendar calendar year, must involve in its community file the lender's loan-to-deposit ratio for every quarter from the prior calendar yr and, at its solution, additional info on its loan-to-deposit ratio.
For dwelling house loan loans, the bank have to determine the home mortgage loans noted by lender affiliate marketers below 12 CFR aspect 1003, if relevant, or gather and keep info on household home loan loans with the affiliate the bank would have collected and preserved pursuant to paragraphs (a)(three) of the area experienced the loans been originated or obtained from the lender.
A bank's strategy should provide a justification that demonstrates the necessity for the subsequent components of a approach 228 loan mainly because of the lender's small business design (
A financial institution must keep a public file, in either paper or electronic structure, that includes the next information and facts: