The Board may change a small lender ranking from “Satisfactory” to “Outstanding” within the institution amount in which the lender requests and receives added thing to consider for the next things to do, with out regard to whether the exercise is in a number of of the bank's facility-primarily based assessment regions, as applicable:
i. If a bank's automobile loans are a product line (both since the lender is really a the vast majority automobile lender or opts to own its auto loans evaluated pursuant to § 228.22), auto loans are an item line for your bank for the entire evaluation time period.
) The quantity of checking and personal savings accounts opened digitally and through other shipping and delivery systems by census tract income level for every calendar 12 months; and
i. Summing all substantial depository establishments' once-a-year dollar volume of Group growth loans and community progress investments that reward or provide metropolitan parts within the nationwide spot for each and every year inside the analysis period of time.
Percentage of overall number of homes in minimal- and reasonable-money census tracts while in the applicable Retail Lending Check Spot that happen to be in reduced-revenue census tracts.
(ii) The amount and percentage of originations and programs of mixture house loan lending of all lenders reporting HMDA facts in the power-centered assessment area and as applicable, the retail lending assessment space; and
Subject for the geographic demands in paragraph (b) of the part, a significant lender must delineate, for a particular calendar 12 months, a retail lending evaluation area in any MSA or while in the nonmetropolitan place of any Point out in which it originated:
If a financial institution recognized annual measurable goals and would not satisfy one or more of its satisfactory goals, the Board will contemplate the subsequent variables to ascertain the impact on a financial institution's CRA general performance evaluation:
The Board's consideration in the department distribution metrics is educated by the subsequent benchmarks:
The Board considers the department availability and services presented at branches of banking companies that function one or more info more branches pursuant to paragraph (b)(2) of this segment.
(two) A retail lending assessment space might not extend further than a Condition boundary Except if the retail lending assessment space is made of counties in a very multistate MSA.
(A) The Board considers the digital supply methods together with other delivery methods of the next financial institutions:
A bank will have to deliver in the public location of its primary Workplace and every of its branches the appropriate general public notice established forth in appendix F to this part. Merely a branch of the bank acquiring more than one facility-centered assessment space ought to contain the bracketed material from the recognize for department offices.
(A) Brings together the effectiveness scores for each supporting summary for every main solution line into an item line score; and