The Board evaluates a bank's retail banking items supplied while in the financial institution's facility-centered evaluation locations and nationwide, as applicable, in the establishment stage as follows:
(ii) The retail banking services and retail banking products and solutions desires of its facility-based mostly evaluation places and within the establishment level which can be protected from the program.
implies the performance of volunteer providers by a lender's or its affiliate's board associates or staff members, done on behalf of the bank, where by These companies:
답변. 네이버 모바일 버전은 스마트폰 또는 태블릿에서 웹 브라우저를 통해 접속할 수 있습니다.
After you are matched by using a lender, along with your loan is accredited, the curiosity charges and fees that you're going to incur for the duration of repayment might be offered for you.
) The quantity of checking and cost savings accounts opened digitally and thru other delivery techniques which might be Energetic at the conclusion of Every calendar calendar year by census tract cash flow amount for each calendar 12 months.
Our service only matches you with a lender – we aren't knowledgeable with the terms from the loan available to you personally. If You aren't snug Together with the loan terms you might be underneath no obligation to maneuver ahead with the lender.
The Board evaluations the influence and responsiveness in the financial institution's Local community development loans and Group growth investments that reward or serve the nationwide region, as provided in § 228.15.
In assigning Retail Lending Take a look at conclusions to get a Condition pursuant to § 228.22(h), the Board will not think about a bank's things to do to get in the Point out if All those pursuits take place inside of a retail lending assessment space consisting of counties in more than one Condition.
(7) Information and facts indicating the credit demands of the facility-dependent evaluation region or retail lending evaluation region are not currently being satisfied by lenders during the aggregate, these types of click here that the suitable benchmarks don't adequately replicate community credit score requires.
A lender ought to specify in its system how all features of the program coated in paragraphs (g)(1) through (five) of the area, along with every other applicable overall performance tests not A part of an authorised strategic system, really should be regarded to assign:
A sizable bank have to acquire and report back to the Board per year by April one an index of each retail lending assessment location displaying the States, MSAs, and counties while in the retail lending evaluation spot for that prior calendar 12 months.
For automobile loans, the Board compares a financial institution's geographic and borrower distributions towards the relevant community benchmarks, as delivered in paragraph (f) of the area and area VI of appendix A to this part.
has a similar indicating as that phrase is defined via the Director on the Place of work of Administration and Funds.