For every main item line, the Board develops a independent supporting summary for every classification of census tracts and every category of borrowers described in paragraphs V.a and VI.a of appendix A to this element.
The Board evaluates a armed service bank pursuant to the relevant overall performance tests explained in paragraph (a) of the area.
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A financial institution that is not a bulk automobile lender may decide to acquire car loans evaluated under this section.
(ii) Any county inside a nonmetropolitan space in which the bank did not originate or order any closed-end home home loan loans, compact business enterprise loans, modest farm loans, or car loans if car loans are an item line for the lender.
(iii) A populace lack of ten p.c or maybe more concerning the earlier and most up-to-date decennial census or a Internet inhabitants decline of 5 p.c or more about the 5-calendar year interval previous The latest census.
The Board's thought with the distant company facility distribution metrics is informed by the following benchmarks:
To judge a lender's retail banking providers, the Board considers a financial institution's branch availability check here and solutions provided at branches, distant assistance facility availability, and electronic supply devices together with other supply programs, as follows:
Buys of house loan-backed securities the place a bulk of the fundamental loans usually are not loans which the financial institution originated or obtained and:
(ii) If a sizable lender is no more necessary to delineate a retail lending assessment space Earlier recognized in the system because of not Conference the essential retail lending assessment place thresholds pursuant to § 228.
The Board assessments the affect and responsiveness in the lender's community progress loans and Neighborhood development investments that gain or provide a State, as delivered in § 228.15.
The Board considers the loans, expense, products and services, and items of a lender's operations subsidiaries beneath this section, Unless of course an operations subsidiary is independently subject matter to the CRA.
(A) The Board considers the electronic shipping and delivery units and other shipping methods of the subsequent banking institutions: