(5) If the Retail Lending Take a look at proposed summary doesn't properly mirror the financial institution's efficiency in the Retail Lending Exam Region where a number of with the financial institution's major merchandise strains contains much less than 30 loans;
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In Each individual relevant Retail Lending Test Region, the Board evaluates originated and ordered loans in Every single of the subsequent product or service lines That may be a key merchandise line, as explained in paragraph (d)(2) of the portion:
The Constrained Reason Financial institution Local community Enhancement Funding Metric steps the dollar volume of the lender's Group enhancement loans and Local community growth investments that gain or serve all or Portion of the nationwide region compared to the lender's property calculated pursuant to paragraph III.a of appendix B to this part.
The CRA which element do not demand a bank to originate or order loans or investments or to offer companies which might be inconsistent with Protected and seem banking methods, including underwriting criteria.
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(A) For each of a financial institution's facility-centered assessment regions in just an MSA, the MSA Nationwide Group Growth Funding Benchmark actions the dollar quantity of Group enhancement loans and Group development investments that reward or provide MSAs during the nationwide region for all significant depository institutions when compared with deposits located in the MSAs while in the nationwide region for all massive depository institutions.
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For vehicle loans, the Board compares a financial institution's geographic and borrower distributions to your relevant Group benchmarks, as provided in paragraph (f) of the section and section VI of appendix A to this portion.
A lender might specify choice weights for averaging check general performance across evaluation spots or other geographic places. These alternate weights has to be based upon the lender's capacity and Neighborhood desires and opportunities in certain geographic regions.
(six) A lender's closed-end home home loan lending, small business lending, little farm lending, or automobile lending in distressed or underserved nonmetropolitan Center-cash flow census tracts in which a financial institution's nonmetropolitan facility-primarily based evaluation place or nonmetropolitan retail lending evaluation location consists of hardly any or no lower- and moderate-money census tracts; and
The Board may well alter a little financial institution ranking from “Satisfactory” to “Remarkable” for the institution amount the place the bank requests and receives additional thought for the subsequent pursuits, with out regard to whether or not the activity is in a number of of the bank's facility-based evaluation places, as relevant:
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