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The Board assigns an Over-all CRA functionality score to some bank in Just about every Condition or multistate MSA, as relevant, and for that institution pursuant to § 228.28 and appendices D and E to this aspect.
In Every relevant Retail Lending Check Space, the Board evaluates originated and obtained loans in Each and every of the subsequent solution traces That may be a key merchandise line, as explained in paragraph (d)(2) of this segment:
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The Board assigns conclusions to a sizable lender's or confined purpose lender's functionality within the applicable checks described in paragraph (a) of the area pursuant to § 228.28 and appendix C to this part. The Board assigns conclusions to a small financial institution's or intermediate financial institution's efficiency on the applicable checks described in paragraph (a) of this area pursuant to § 228.
The Board evaluates a bank's efficiency underneath an authorised program dependant on the overall performance checks that may implement in the absence of an authorised plan and any optional analysis factors or qualified modifications and additions towards the relevant effectiveness exams established forth from the lender's authorised system.
The Board evaluates a sizable bank's history of assisting to meet up with the credit rating demands of its total Neighborhood in its outside retail lending region pursuant to § 228.
Within a facility-based mostly assessment space or outdoors retail lending location, a product line is An important item line if the lender's loans in that product line comprise fifteen percent or even more of the lender's loans throughout all of the bank's products traces in the power-based mostly assessment place or outdoors retail lending place, as established pursuant to paragraph II.b.1 of appendix more info A to this section.
Pursuant to § 228.21, the Neighborhood Progress Funding Examination evaluates the bank's history of helping to fulfill the credit score needs of its overall community by means of Local community enhancement loans and Local community enhancement investments (
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Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a bank's Retail Lending Check conclusions into its Condition or multistate MSA scores, as relevant, and its institution rating.
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The Board opinions the effect and responsiveness with the financial institution's Neighborhood advancement loans and Local community progress investments that benefit or provide a multistate MSA, as delivered in § 228.15.
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