(4) Another evidence demonstrating which the financial institution's Neighborhood growth companies are responsive to Local community advancement requirements, including the amount of minimal- and moderate-earnings persons that are individuals, or range of businesses served; and
A lender required to report household home loan loan facts pursuant to twelve CFR part 1003 should incorporate in its general public file a penned observe which the bank's HMDA Disclosure Assertion may very well be obtained on The customer Fiscal Protection Bureau's (CFPB's) Web site at:
컴퓨터 앞에 앉아 네이버를 이용하고 싶다면, 몇 가지 간단한 방법으로 네이버 웹사이트에 접속할 수 있습니다.
In each relevant Retail Lending Test Space, the Board evaluates originated and ordered loans in Every single of the following product or service lines that is a important merchandise line, as explained in paragraph (d)(two) of the area:
implies, notwithstanding the definition of “small organization” Within this part, a loan included in “loans to tiny enterprises” as noted in Program RC-C of the decision Report.
(i) All the information expected for that lender's community file have to be taken care of at the main Place of work and, if an interstate bank, at one branch Workplace in Every Point out; and
Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a financial institution's Retail Lending Take a look at conclusions into its Condition or multistate MSA ratings, as relevant, and its institution rating.
In case you have responses or strategies regarding how to improve the Web site or have questions about applying , be sure to select the 'Site Comments' button below.
The Board evaluates a bank's Local community improvement products and services general get more info performance in the Point out or multistate MSA, as applicable, or nationwide place, and assigns a conclusion for the people locations, dependant on the next two components:
indicates a closed-finish residence home finance loan loan or an open up-conclude property home finance loan loan as these phrases are defined Within this section.
Affiliated depository establishments supervised by the identical Federal monetary supervisory agency may get ready a joint prepare, supplied which the system involves, for each financial institution, the applicable general performance assessments that would implement within the absence of the accepted approach.
The Multistate MSA Local community Advancement Financing Benchmark steps the dollar quantity of Neighborhood development loans and Group growth investments that advantage or provide a multistate MSA for all massive depository institutions when compared with deposits located in the multistate MSA for all massive depository institutions, calculated pursuant to paragraph II.h of appendix B to this part.
A lender need to sustain a general public file, in possibly paper or electronic structure, that includes the next data:
(B) The extent to which the prepare has adequately justified the necessity to get a plan and every aspect of the plan as required in paragraph (d) of the portion.