The Board evaluates a bank's retail banking items presented from the lender's facility-centered assessment locations and nationwide, as applicable, in the institution stage as follows:
The Board evaluates a financial institution's department availability and solutions in the facility-centered evaluation area depending on the next:
If a armed forces bank delineates the complete U.s. and its territories as its sole facility-centered assessment region pursuant to § 228.sixteen(d), the Board evaluates the lender solely in the establishment stage determined by its functionality in its sole facility-primarily based evaluation location.
The Board may well think about a bank's Neighborhood enhancement loans, community development investments, and Local community enhancement services offered outside of its facility-based mostly assessment places, as delivered During this section.
The Board considers the usage of a lender's deposit products aware of the wants of lower- and reasonable-cash flow men and women, households, or homes based upon the next info:
(1) Establishes the framework and standards by which the Board assesses a lender's record of responding to the credit demands of its total Neighborhood, including very low- and average-earnings neighborhoods, in keeping with the Secure and sound operation on the financial institution; and
Reviews or questions about document content material cannot be answered by OFR employees. You should never present confidential details or private knowledge.
(2) If your contributors or investors elect to allocate Local community development loans or community growth investments between them selves for thing to consider under this segment, no participant or investor may possibly assert a loan origination, loan order, or investment decision for Local community progress thing to consider if another participant or Trader promises a similar loan origination, loan order, or expense; and
(B) Within five calendar days on the ask for, all the data that the bank is required to maintain beneath this part in the general public file relating to the facility-primarily based assessment spot wherein the department is situated.
A financial institution may submit more information towards the Board on the confidential foundation, even so the plans stated while in the approach should be sufficiently precise to help the public as well as the Board to guage the deserves of your program.
(5) Are supplied to pupils or their families by way of a school at which the majority of college students qualify for free or minimized-cost foods under the U.S. Division of Agriculture's Nationwide University Lunch Method;
(one) All prepared remarks received from the general public for The present year (up-to-date on a quarterly foundation for your prior quarter by March 31, June thirty, September 30, and December 31) and every on the prior two calendar many years that particularly relate into the bank's performance in helping to fulfill Neighborhood credit history requirements, and any reaction towards the opinions because of the financial institution, if neither the comments nor the responses incorporate statements that replicate adversely on The great identify or name of any individuals aside from the lender 228 loan or publication of which might violate certain provisions of legislation;
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