(ii) All of the counties in the nonmetropolitan region of the Point out (utilizing the MSA boundaries that were in result as of January 1 of your calendar calendar year through which the delineation applies), excluding:
(one) A nonmetropolitan middle-earnings census tract is specified as distressed whether it is inside of a county that fulfills a number of of the following standards:
This portion implements the need in the CRA which the Board assess a lender's file of assisting to meet the credit score demands from the community communities through which the financial institution is chartered, in keeping with the safe and audio Procedure from the bank, and to get this report into account while in the agency's analysis of the software for a deposit facility with the bank. Accordingly, this portion:
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(iii) A populace loss of 10 p.c or even more in between the earlier and newest decennial census or even a net population loss of 5 % or more more than the five-12 months period of time previous the most recent census.
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스팸 게시물이 확대 생성되는 것을 방지하기 위하여 문구 및 사용 제한기간을
The loans, investments, solutions, and solutions of a financial institution's functions subsidiary should be included in the financial institution's approach, Unless of course the functions subsidiary is independently subject matter to CRA needs.
In assigning Retail Lending Exam conclusions for any State pursuant to § 228.22(h), the Board would not consider a bank's functions being within the Condition if These pursuits happen in a retail lending assessment location consisting of counties in multiple Point out.
The Board may perhaps change a limited goal bank's establishment score from “Satisfactory” to “Superb” in which a lender requests and gets further consideration for solutions that would qualify underneath the Neighborhood Development Providers Examination in § 228.twenty five.
For any constrained purpose lender that had property better than $ten billion as of December 31 in both equally with the prior two calendar a long time, the Restricted Goal Lender Local community Enhancement Expenditure Metric measures the greenback volume from the bank's Neighborhood development investments that benefit or serve all or A part of the nationwide location, excluding property finance loan-backed securities, in comparison check here with the bank's property, calculated pursuant to paragraph III.d of appendix B to this portion.
The Board considers the weighted ordinary of the overall performance scores comparable to the lender's conclusions to the Community Development Funding Examination for its facility-primarily based evaluation spots inside the nationwide location, calculated pursuant to segment IV of appendix B to this part.
); the time period “uninsured State branch” usually means a Point out branch the deposits of which aren't insured via the Federal Deposit Insurance policy Company; the term “restricted branch” usually means a State branch that accepts only deposits which are permissible for a company arranged under segment 25A in the Federal Reserve Act (12 U.S.C. 611 et seq.
indicates a channel through which financial institutions give retail banking providers electronically, such as on the web banking or cellular banking.