means any enterprise that controls, is controlled by, or is less than prevalent Handle with another enterprise. The phrase “control” has the this means supplied to that term in 12 U.
(six) A map of each and every facility-centered evaluation place and, as relevant, Every single retail lending evaluation region exhibiting the boundaries of the area and figuring out the census tracts contained in the region, possibly on the map or in the different list; and
Aside from a little lender that opts being evaluated pursuant into the Retail Lending Exam in § 228.22, the Board assigns conclusions for the overall performance of a small bank evaluated less than this portion as provided in appendix E to this section.
In Just about every relevant Retail Lending Take a look at Region, the Board evaluates originated and ordered loans in Just about every of the following item strains that is a important merchandise line, as described in paragraph (d)(2) of this portion:
(i) The public's involvement in formulating the draft system, which includes precise details concerning the users of the public and companies the lender contacted And just how the financial institution gathered info suitable into the draft approach;
To create supporting conclusions for borrower distributions of shut-close property mortgage loans, modest company loans, and modest farm loans, the Board evaluates the lender's functionality by evaluating the Borrower Lender Metric to overall performance ranges, based upon the Borrower Industry Benchmark, Borrower Neighborhood Benchmark, and multipliers, as described in paragraphs V.d and V.e of appendix A to this aspect.
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. The financial institution have to include things like the published detect in the public file inside of three company times just after acquiring notification in the FFIEC of the availability in the disclosure assertion.
In assigning Retail Lending Test conclusions for your State pursuant to § 228.22(h), the Board would not take into account a bank's functions to become during the State if These things to do take place inside of a retail lending assessment spot consisting of counties in multiple State.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
(B) A financial institution other than a considerable bank could involve a community enhancement solutions part and accompanying once-a-year measurable goals in its program.
A considerable financial institution will have to collect and report to the Board on a yearly here basis by April 1 a listing of Each and every retail lending assessment place exhibiting the States, MSAs, and counties in the retail lending evaluation area for the prior calendar year.
Projects to revitalize or stabilize a focused census tract that include equally business and residential elements qualify as revitalization or stabilization functions underneath this paragraph (e)(two), if:
) The selection of retail banking companies and retail banking solutions available through electronic supply systems along with other shipping and delivery techniques; and