(3) The bank may well not declare community improvement loans or Local community development investments accounting for over its proportion share (based upon the level of its participation or investment) of the entire loans or investments made by the consortium or third party.
(4) Any other proof demonstrating that the lender's Neighborhood enhancement solutions are responsive to Local community enhancement needs, including the number of reduced- and moderate-money men and women which can be individuals, or quantity of companies served; and
In Every applicable Retail Lending Exam Spot, the Board evaluates originated and bought loans in Just about every of the following product traces That could be a significant products line, as described in paragraph (d)(2) of this part:
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The Board evaluates a bank's Neighborhood improvement expert services overall performance in a very facility-dependent evaluation space and assigns a summary for just a facility-primarily based assessment location, by taking into consideration one or more of the subsequent:
(ii) Why an analysis with the bank pursuant to any element of a system in paragraph (d)(1) of the area would a lot more meaningfully reflect a lender's report of assisting to satisfy the credit requires read more of its Local community than if it were evaluated underneath the general performance assessments that will utilize during the absence of an authorized plan; and
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(i) Why the bank's business product is outdoors the scope of, or inconsistent with, one or more areas of the efficiency assessments that will implement in the absence of the accredited approach;
) A lender could use alternative weights for combining the borrower and geographic distribution analyses for important products line(s) or other loan goods.
(seven) Information and facts indicating that the credit needs of the facility-based mostly assessment area or retail lending assessment region aren't getting met by lenders inside the combination, these kinds of that the appropriate benchmarks do not adequately reflect community credit desires.
b of appendix A to this portion for facility-dependent evaluation locations and retail lending assessment areas, and paragraph IV.d of appendix A to this part for out of doors retail lending regions; and
The Board evaluates a financial institution and assigns conclusions and rankings below this part in almost any multistate MSA through which the financial institution maintains a major Business office, a branch, or simply a deposit-having remote company facility in two or maybe more States within just that multistate MSA.