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The Board considers the loans, investments, companies, and items of affiliates of a financial institution that aren't functions subsidiaries, at the financial institution's solution, topic to the next:
The Board evaluates a military services lender pursuant to the applicable overall performance exams described in paragraph (a) of the portion.
The Board considers proof of discriminatory or other illegal credit tactics explained With this part by:
(ii) When the Board, the FDIC, and also the OCC determine that a loan or expense is now not qualified for community advancement consideration, the operator on the loan or investment at the time with the dedication will proceed to obtain Group growth thing to consider for your remaining phrase or duration of the loan or expenditure.
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(iii) A inhabitants loss of 10 % or more concerning the preceding and newest decennial census or possibly a Web inhabitants loss of 5 per cent or maybe more around the 5-12 months period preceding The latest census.
(A) For each of the lender's facility-centered assessment regions within an MSA, the MSA Nationwide Community Advancement Financing Benchmark steps the greenback volume of community advancement loans and Local community advancement investments that profit or provide MSAs in the nationwide region for all huge depository institutions in comparison to deposits situated in the MSAs from the nationwide place for all large depository institutions.
(5) If the Retail Lending Exam recommended summary won't precisely mirror the financial institution's performance inside a Retail Lending Examination Spot where a number of of your lender's major item lines consists of fewer than thirty loans;
When making use of performance tests and strategic ideas pursuant to paragraph (a) of this segment, and when pinpointing regardless of whether to approve a strategic system pursuant to § 228.
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If your Board will not act in just this period of time, the Board will converse towards the lender the rationale for your hold off and an envisioned timeframe for a decision to the draft program.
(B) The Board evaluates the little lender to the analysis time period previous the financial institution's subsequent CRA assessment pursuant on the Retail Lending Test in § 228.22 and proceeds evaluations below this performance take a look at for subsequent analysis intervals until the financial institution opts out.
The Board evaluates a bank's retail banking merchandise available within the financial institution's facility-dependent evaluation spots and nationwide, as relevant, in the institution level as follows: