A bank may put together one approach or individual ideas for its facility-dependent evaluation spots, retail lending assessment regions, outside retail lending area, or other geographic places that may be evaluated in the absence of the approved program.
(one) A nonmetropolitan Center-cash flow census tract is selected as distressed whether it is in a county that fulfills one or more of the next standards:
컴퓨터 앞에 앉아 네이버를 이용하고 싶다면, 몇 가지 간단한 방법으로 네이버 웹사이트에 접속할 수 있습니다.
(one) For banks that keep an internet site, all facts required to the lender's community file under this segment needs to be managed to the bank's Web-site.
) Distinct specifics of the greenback degree of the Group enhancement loan or community growth financial investment which was allocated to every county served via the loan or investment, if available.
(A) Combines the overall performance scores for every supporting summary for every major merchandise line into a product line score; and
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(ii) Any county in the nonmetropolitan place where the financial institution did not originate or purchase any closed-conclude household mortgage loans, small business loans, little farm loans, or automobile loans if vehicle loans are a product line with the lender.
The Board evaluates a financial institution's community progress providers performance within a Point out or multistate MSA, as applicable, or nationwide space, and assigns a conclusion for those places, based on the next two parts:
Just about every lender within our community has their particular coverage On the subject of late payments. Before you agree to a loan you may be furnished with the data regarding the implications of creating late payments.
) The quantity of examining and financial savings accounts opened digitally and through other shipping units which are Energetic at the end of each calendar yr by census tract cash flow amount for every calendar calendar year.
(x) An indicator for whether the loan was to a business more info or farm for which gross once-a-year revenues aren't recognised by the financial institution.
); the expression “uninsured Condition branch” implies a State branch the deposits of which aren't insured via the Federal Deposit Insurance Company; the expression “constrained branch” indicates a Point out department that accepts only deposits which might be permissible for a corporation structured under portion 25A in the Federal Reserve Act (12 U.S.C. 611 et seq.
A lender required to report property home loan loan details pursuant to 12 CFR portion 1003 must incorporate in its general public file a created observe which the lender's HMDA Disclosure Assertion can be attained on the Consumer Economic Defense Bureau's (CFPB's) Web page at: