(three) The bank may not assert community development loans or Neighborhood improvement investments accounting for more than its proportion share (determined by the level of its participation or expenditure) of the total loans or investments made by the consortium or 3rd party.
(ii) According to paragraph (g) of this portion, a financial institution's plan may involve optional analysis parts or qualified modifications and additions to the effectiveness assessments that would use from the absence of the approved prepare.
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Jobs to revitalize or stabilize a specific census tract that include both business and residential parts qualify as revitalization or stabilization functions less than this paragraph (e)(2), if:
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(four) Lacking or faulty information that will be important to compute the suitable metrics and benchmarks or every other things that stop the Board from calculating a Retail Lending Test advised conclusion.
indicates the interval, commonly get more info in calendar several years, in the course of which a bank carried out the routines that the Board evaluates in the CRA examination, in accordance Using the Board's suggestions and strategies.
The Lender Nationwide Neighborhood Development Financing Metric measures the dollar volume in the lender's Local community growth loans and community growth investments that advantage or provide all or part of the nationwide spot when compared to deposits inside the lender situated in the nationwide region, calculated pursuant to paragraph II.j of appendix B to this aspect.
(five) If the Retail Lending Exam recommended conclusion doesn't precisely replicate the lender's performance inside a Retail Lending Exam Region in which one or more of your financial institution's important products lines includes fewer than 30 loans;
The Board considers the weighted ordinary from the effectiveness scores corresponding to the bank's Neighborhood Progress Services Check conclusions for its facility-based mostly assessment regions in just a Point out, multistate MSA, or maybe the establishment pursuant to portion IV of appendix B to this section.
The State Local community Advancement Financing Benchmark actions the dollar volume of Local community enhancement loans and Group progress investments that profit or serve all or part of a Condition for all huge depository establishments as compared to deposits located in the Point out for all big depository establishments, calculated pursuant to paragraph II.e of appendix B to this component.
You may well be billed a $36 charge for each overdraft transaction—and might be billed up to 3 fees every day. If the initial transaction amount is under $5, we will likely not demand an overdraft charge.
(iii) The lender's document of lending to and, as acceptable, partaking in other retail and Group improvement lending-relevant functions for borrowers of various income amounts and firms and farms of various dimensions;
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