The scores assigned because of the Board reflect the financial institution's file of helping to meet up with the credit score requirements of its complete Neighborhood, like very low- and moderate-revenue neighborhoods, per the Harmless and sound operation in the lender.
Disaster preparedness and climate resiliency activities help people today and communities to organize for, adapt to, and face up to pure disasters or weather-linked risks or disasters. Catastrophe preparedness and weather conditions resiliency functions reward or serve focused census tracts and:
The restricted reason bank's Neighborhood development funding efficiency in all of its facility-primarily based evaluation areas; and
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On your personal checks, your routing quantity could be the 9-digit range on The underside left of the Check out. It’s accompanied by your account amount, which is usually 13 numbers.
implies retail financial products and services provided by a lender to customers, little companies, or tiny farms and contain a bank's units for delivering retail money providers.
Pursuant to § 228.21, the Retail Lending Check evaluates a lender's record of assisting to satisfy the credit score demands of its complete Group in the lender's origination and buy of home mortgage loans, multifamily loans, small small business loans, and smaller farm loans.
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(i) An intermediate lender's community enhancement performance is evaluated pursuant to the next criteria:
The Board's analysis with the responsiveness of your bank's actions is informed by details supplied by the lender, and could be educated via the influence and responsiveness evaluation aspects described in § 228.15(b).
A financial institution may specify substitute weights for averaging exam efficiency throughout evaluation locations or other geographic regions. These alternate weights has to be based upon the lender's capacity and Neighborhood demands and alternatives in particular geographic regions.
Apart from a small lender that opts to generally be evaluated pursuant to your Retail Lending Examination in § more info 228.22, the Board assigns conclusions for your efficiency of a small financial institution evaluated below this section as provided in appendix E to this aspect.
The Board assessments the impact and responsiveness with the lender's community improvement loans and Neighborhood growth investments that profit or provide a multistate MSA, as provided in § 228.15.
For each big solution line, the Board develops a individual supporting conclusion for each group of census tracts and each classification of borrowers described in paragraphs V.a and VI.a of appendix A to this part.