means any organization that controls, is controlled by, or is beneath frequent Management with A different enterprise. The phrase “Management” has the which means presented to that time period in twelve U.
Just a financial institution that is an affiliate of a holding business will have to involve another to the last sentence on the notices. A financial institution will have to consist of the final sentence in the notices only whether it is an affiliate of a holding company that isn't prevented by statute from attaining additional depository establishments.
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The Board publishes on its community Web page, no less than thirty times beforehand of the beginning of each and every calendar quarter, a summary of financial institutions scheduled for CRA examinations for the subsequent two quarters.
The Board considers information provided by the financial institution and should look at publicly accessible information and information provided by federal government or community resources that demonstrates that a Local community growth company Advantages or serves a facility-primarily based assessment region, Point out, or multistate MSA, or even the nationwide spot.
The Board takes advantage of the power-centered assessment areas delineated by a financial institution in its analysis of the financial institution's CRA functionality Except the Board decides that the power-based assessment regions never adjust to the requirements of this segment.
(six) A lender's closed-close residence property finance loan lending, little company lending, little farm lending, or automobile lending in distressed or underserved nonmetropolitan Center-cash flow census tracts wherever a lender's nonmetropolitan facility-based assessment space or nonmetropolitan retail lending evaluation region consists of only a few or no minimal- and moderate-cash flow census tracts; and
Pursuant to § 228.21, the Local community Improvement Funding Exam evaluates the financial institution's report of helping to meet the credit rating desires of its entire Group through Neighborhood growth loans and Local community enhancement investments (
The Board reviews the impact and responsiveness of your lender's Group advancement loans and Local community advancement investments that advantage or provide a multistate MSA, as provided in § 228.fifteen.
) The variety of retail banking expert services and retail banking products and solutions made available via digital shipping and delivery units and also other supply devices; and
An intermediate financial institution or a small bank for which vehicle loans are an item line may possibly acquire and maintain within a structure of the financial institution's deciding upon, like within an Digital variety prescribed through the Board, right until the completion of your financial institution's up coming CRA assessment in which the information are evaluated, the info explained in paragraphs (a)(two)(iii)(A) through (F) of the part for each car loan originated or obtained from the bank during the evaluation time period.
The skin retail lending location is comprised of element geographic areas. A part geographic region is any MSA or the nonmetropolitan space of any Point out, or portion thereof, bundled within just the outside retail lending region.
(B) Any counties more info through which the big bank didn't originate any closed-end house house loan loans or smaller organization loans that happen to be claimed loans in the course of that calendar yr.
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