signifies any corporation that controls, is controlled by, or is under prevalent Handle with An additional firm. The term “Command” has the meaning supplied to that term in twelve U.
228 loan isn't liable for any in the phrases introduced for you. Premiums, fees, and conditions are straight decided on from the lender.
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The Board could approve a program following considering the factors in paragraph (h)(3) of the section and when it establishes which the bank has supplied adequate justification for that strategy and every facet of the approach as essential in paragraph (d) of this portion.
For every major item line, a Geographic Local community Benchmark, calculated pursuant to paragraph III.c of appendix A to this section for facility-based evaluation locations and retail lending assessment places, and paragraph III.e of appendix A to this portion for out of doors retail lending locations.
For every of a financial institution's facility-based mostly assessment areas, the Evaluation Spot Local community Progress Financing Benchmark actions the dollar quantity of Neighborhood growth loans and Local community advancement investments that benefit or provide the ability-primarily based evaluation location for all huge depository institutions in comparison to deposits situated in the facility-dependent assessment spot for all massive depository institutions, calculated pursuant to paragraph II.b of appendix B to this element.
(ii) Consistent with paragraph (g) of this segment, a financial institution's program could contain optional evaluation parts or eligible modifications and additions to the overall performance checks that will utilize from the absence of an approved program.
(B) The Board determines that evaluation under the program wouldn't provide a more meaningful reflection of the lender's document of helping to meet up with the credit needs with the financial institution's Local community;
(five) Whether or not the Retail Lending Exam encouraged conclusion would not accurately replicate the lender's performance inside a Retail Lending Check Region in which a number of of your financial institution's key solution traces is made up of much less than 30 loans;
Loans, investments, and solutions that assist little enterprises or small farms in accordance with how tiny businesses and smaller farms are defined during the relevant strategy, application, or initiative, but excluding loans by a lender directly to small businesses or little farms (possibly as outlined within a governing administration system, application, or initiative or in § 228.
A significant financial institution ought to obtain and report back to the Board yearly by April 1 a listing of Every retail lending assessment region displaying the States, MSAs, and counties while in the retail lending assessment spot with the prior calendar calendar year.
(B) The Nationwide Local community Advancement Expense Benchmark steps the dollar quantity of Neighborhood development investments that gain or serve all or Section more info of the nationwide location, excluding home loan-backed securities, of all significant depository institutions that experienced belongings increased than $ten billion as of December 31 in both equally on the prior two calendar many years when compared with deposits situated in the nationwide spot for all those depository establishments, calculated pursuant to paragraph II.n of appendix B to this component.
The Board considers the weighted common from the general performance scores corresponding to the lender's Community Development Financing Test conclusions for its facility-centered evaluation regions within the multistate MSA, calculated pursuant to area IV of appendix B to this part.