The Board critiques the impact and responsiveness of the financial institution's Group enhancement loans and Neighborhood enhancement investments that benefit or provide the nationwide space, as provided in § 228.15.
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Through the time period of the program, a bank ought to submit into the Board for acceptance an Modification to its approach if a fabric adjust in instances:
To develop supporting conclusions for geographic distributions of shut-finish home mortgage loan loans, compact enterprise loans, and little farm loans, the Board evaluates the lender's effectiveness by evaluating the Geographic Financial institution Metric to general performance ranges, depending on the Geographic Current market Benchmark, the Geographic Neighborhood Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this section.
The Board considers the usage of the financial institution's deposit items attentive to the wants of lower- and reasonable-earnings people, families, or homes based upon the subsequent facts:
(i) All the information expected for that bank's general public file needs to be taken care of at the leading Business and, if an interstate financial institution, at a single branch Business office in Every State; and
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The Board's consideration in the distant provider facility distribution metrics is informed by the next benchmarks:
To guage a lender's retail banking providers, the Board considers a financial institution's branch availability and solutions furnished at branches, remote assistance facility availability, and electronic shipping techniques and various supply devices, as follows:
A lender could post extra information and facts towards the Board over a confidential basis, but the aims stated within here the plan have to be adequately unique to allow the general public along with the Board to guage the deserves from the program.
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The bank have to include things like the penned notices in the general public file within just 3 enterprise days following obtaining notification within the FFIEC of the availability in the disclosure statements.
For vehicle loans, the Board compares a bank's geographic and borrower distributions on the relevant Neighborhood benchmarks, as furnished in paragraph (f) of this portion and segment VI of appendix A to this portion.
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