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(1) A nonmetropolitan middle-earnings census tract is designated as distressed if it is inside a county that meets one or more of the following criteria:
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(one) A customer loan is found inside the census tract where by the borrower resides at some time that the borrower submits the loan application;
(i) The general public's involvement in formulating the draft strategy, together with certain information and facts regarding the customers of the general public and businesses the financial institution contacted And just how the bank collected information and facts appropriate to the draft prepare;
The Board takes advantage of the facility-primarily based evaluation parts delineated by a financial institution in its evaluation in the bank's CRA performance Except the Board decides that the power-based mostly evaluation regions do not comply with the requirements of the segment.
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) Advantages or serves one or more geographic areas with low amounts of community progress financing;
(3) The range and dollar volume of small small business loans and tiny farm loans Found inside of Just about every facility-centered evaluation area and retail lending assessment space documented from the bank and the amount and greenback quantity of little enterprise loans and little farm loans Found outside of the facility-based evaluation spots and retail lending evaluation parts documented by the financial institution; and
(i) All the data demanded with the bank's general public file need to be maintained at the primary Business and, if an interstate lender, at one particular department Office environment in Each individual Condition; and
Loans, investments, and expert services that assist little businesses or modest farms in accordance with how little enterprises and tiny farms are defined inside the applicable prepare, application, or initiative, but excluding loans by a financial institution directly to little companies or small farms (both as described inside more info a governing administration approach, application, or initiative or in § 228.
The Multistate MSA Community Progress Financing Benchmark steps the dollar quantity of Neighborhood development loans and Local community advancement investments that profit or serve a multistate MSA for all significant depository institutions in comparison to deposits situated in the multistate MSA for all big depository establishments, calculated pursuant to paragraph II.h of appendix B to this component.
(B) A large lender may well modify the Retail Services and Products and solutions Take a look at by eliminating a ingredient in the test.
Pursuant to § 228.21, the Retail Lending Test evaluates a financial institution's document of assisting to satisfy the credit demands of its complete community from the bank's origination and buy of home property finance loan loans, multifamily loans, modest company loans, and smaller farm loans.