A bank may possibly specify substitute weights for averaging check efficiency throughout evaluation locations or other geographic locations. These alternate weights needs to be based on the bank's potential and Local community requirements and possibilities in unique geographic regions.
The Board evaluates a lender's branch availability and companies inside a facility-based mostly evaluation area determined by the next:
Apart from a small lender that opts to become evaluated pursuant to your Retail Lending Examination in § 228.22, the Board assigns conclusions with the functionality of a small lender evaluated under this segment as supplied in appendix E to this element.
인터넷이라는 광활한 바다를 항해하며 정보의 보고를 찾는 우리에게 네이버는 든든한 나침반이자, 탐험의 동반자와 같습니다. 검색, 뉴스, 지식인, 쇼핑, 메일, 블로그 등 네이버는 우리 일상의 거의 모든 영역에 깊숙이 스며들어 있습니다.
네이버 검색창에 원하는 키워드를 입력하면 관련 정보를 빠르게 찾아볼 수 있습니다.
(i) All the data expected with the financial institution's community file needs to be maintained at the key Business office and, if an interstate financial institution, at a person branch Business office in each State; and
(i) An intermediate financial institution's Neighborhood advancement functionality is evaluated pursuant to the next conditions:
A financial institution ought to delineate a number of facility-dependent evaluation parts within just which the Board evaluates the lender's file of assisting to fulfill the credit rating desires of its whole Neighborhood pursuant on the effectiveness assessments and strategic system described in § 228.21.
suggests a loan to a number of persons for residence, household, or other personalized expenditures and that has become the adhering to kinds of loans:
A bank may possibly post further information and facts for the Board on the confidential basis, however the plans mentioned inside the prepare should be adequately unique to permit the general public and the Board to judge the merits with the strategy.
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A big financial institution will have to collect and report to the Board each year by April 1 a listing of Just about every retail lending evaluation space demonstrating the States, MSAs, and counties within the retail lending assessment area for the prior calendar year.
(B) Any counties in which the large bank did not originate any closed-stop property mortgage loans or compact company loans which have been noted loans through that calendar year.
A lender needed to report home house loan loan details pursuant to twelve CFR part 1003 need to incorporate in its general public file a penned discover that the bank's HMDA Disclosure Statement could be acquired on The buyer Fiscal Defense Bureau's (CFPB's) Internet site at: