The Board evaluates a financial institution's retail banking products and solutions provided inside the financial institution's facility-based mostly assessment places and nationwide, as applicable, on the institution degree as follows:
The bank need to include things like the penned notices in the general public file in just a few business enterprise times after obtaining notification within the FFIEC of The provision of your disclosure statements.
) The number of checking and discounts accounts opened digitally and thru other delivery devices by census tract earnings degree for each calendar year; and
(i) The variety and share of originations and purposes of the massive bank's residence property finance loan loans by borrower or applicant earnings degree, race, and ethnicity;
The Board evaluates a military services financial institution pursuant for the applicable efficiency tests described in paragraph (a) of the segment.
(i) A lender may possibly include functionality analysis components and accompanying annual measurable aims For added geographic places but may well not remove the analysis of its functionality in any geographic spot that would be included in its performance evaluation within the absence of the authorized system.
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If an intermediate bank opts to generally be evaluated pursuant on the Group Advancement Funding Test in § 228.24, the Board evaluates the intermediate financial check here institution for that analysis period preceding the bank's upcoming CRA assessment pursuant to your Community Improvement Financing Take a look at in § 228.24 and proceeds evaluations pursuant to this general performance take a look at for subsequent evaluation intervals until finally the bank opts out.
(5) A listing of retail banking expert services (which includes hours of Procedure, readily available loan and deposit products and solutions, and transaction fees) generally presented on the financial institution's branches and descriptions of fabric distinctions in the availability or cost of solutions at individual branches, if any.
) The variety of retail banking products and services and retail banking goods made available by way of electronic shipping programs as well as other shipping and delivery programs; and
(B) A bank besides a large bank may possibly involve a community advancement expert services ingredient and accompanying annual measurable objectives in its program.
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
A lender ought to incorporate in its program a focus on the credit rating wants of its complete Local community, like minimal- and average-revenue people, family members, or households, lower- and average-revenue census tracts, and compact organizations and compact farms. The financial institution must describe how its system is responsive to the attributes and credit history requirements of its facility-dependent evaluation locations, retail lending evaluation spots, outside retail lending location, or other geographic parts served from the financial institution, looking at general public remark and also the financial institution's potential and constraints, solution choices, and business tactic. As relevant, a bank should specify elements in its prepare for assisting to meet up with:
A bank that's been accepted to become evaluated less than a strategic prepare should include in its community file a replica of that prepare while it is actually in result. A bank need not involve data submitted to the Board on the private foundation together with the approach.