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has the exact same that means as that expression is described by the Director in the Place of work of Administration and Funds.
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(ii) In the event the Board, the FDIC, and the OCC decide that a loan or financial commitment is no more suitable for community improvement consideration, the owner of the loan or financial commitment at some time on the perseverance will carry on to acquire community growth thing to consider for that remaining phrase or period of the loan or investment.
If a financial institution opts for being evaluated pursuant to the Retail Lending Exam, the Board assigns conclusions to the bank's Retail Lending Take a look at effectiveness as supplied in appendix C to this portion. In assigning conclusions for a little financial institution, the Board might consider functionality context facts as presented in § 228.21(d).
The Retail Lending Examination evaluates a bank's document of helping to meet up with the credit score demands of its full Local community throughout the financial institution's origination and buy of auto loans Should the bank is usually a the greater part car lender.
b of appendix A to this element for facility-centered assessment areas and retail lending evaluation locations, and paragraph III.d of appendix A to this section for outdoor retail lending regions; and
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For every significant product line, read more a Borrower Local community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this portion for facility-primarily based assessment parts and retail lending assessment parts, and paragraph IV.e of appendix A to this component for out of doors retail lending places.
The Board charges the performance of the intermediate financial institution evaluated underneath this segment as delivered in appendix D to this portion.
Except for a little lender that opts being evaluated pursuant for the Retail Lending Take a look at in § 228.22, the Board assigns conclusions for your general performance of a little lender evaluated under this portion as offered in appendix E to this section.
(1) Facts indicating that a bank ordered closed-finish house mortgage loan loans, modest business enterprise loans, smaller farm loans, or car loans for the sole or primary reason of inappropriately maximizing its retail lending general performance, together with, although not restricted to, data indicating subsequent resale of these kinds of loans or any indicator that these kinds of loans have already been regarded in several depository establishments' CRA evaluations, by which case the Board does not look at this sort of loans during the bank's effectiveness evaluation;
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