The Board evaluations the impact and responsiveness in the financial institution's Group growth loans and Local community development investments that reward or serve a Condition, as furnished in § 228.fifteen.

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The Board fees the functionality of the intermediate financial institution evaluated less than this section as offered in appendix D to this aspect.

In Each individual relevant Retail Lending Check Area, the Board evaluates originated and procured loans in Just about every of the next item strains that is a important product or service line, as described in paragraph (d)(two) of this part:

The Board considers the utilization of the lender's deposit solutions aware of the demands of minimal- and moderate-income people today, family members, or homes depending on the following info:

A lender subject to facts reporting specifications pursuant to § 228.42 will have to contain in its general public file a created observe which the CRA Disclosure Assertion pertaining towards the financial institution, its functions subsidiaries, and its other affiliate marketers, if relevant, can be attained around the FFIEC's Internet site at:

) Positive aspects or serves one or more geographic areas with small levels of Group growth funding;

If an intermediate bank opts to generally be evaluated pursuant on the Group Growth Funding Test in § 228.24, the Board evaluates the intermediate financial institution for that analysis period preceding the financial institution's upcoming CRA assessment pursuant towards the Neighborhood Enhancement Financing Check in § 228.24 and carries on evaluations pursuant to this general performance test for subsequent evaluation periods right up until the lender opts out.

To judge a lender's retail banking products and services, the Board considers a lender's branch availability and companies offered at branches, remote services facility availability, and electronic supply devices and various supply devices, as follows:

(A) A copy of the public part of the bank's most up-to-date CRA performance evaluation and a summary of expert services furnished by the department; and

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(B) For large banking institutions that had assets below or equal to $10 billion as of December 31 in either in the prior two calendar several years, the Board considers a financial institution's deposit products and solutions only at the lender's option.

The Board considers The provision of remote service services in the next geographic spots:

(3) The lender might not declare Neighborhood advancement loans or Neighborhood development investments accounting 228 loan for more than its share share (dependant on the extent of its participation or expenditure) of the entire loans or investments made by the consortium or 3rd party.