(ii) Every one of the counties within the nonmetropolitan space of a State (utilizing the MSA boundaries which were in outcome as of January one in the calendar 12 months through which the delineation applies), excluding:

(one) A nonmetropolitan Center-revenue census tract is selected as distressed if it is in a very county that meets one or more of the subsequent requirements:

. Additionally, When the Board regarded as the home mortgage loan lending of the financial institution's operations subsidiaries or, at a financial institution's election, the Board deemed the home home finance loan lending of other bank affiliate marketers, the lender must consist of in its public file the names on the operations subsidiaries and the names of the affiliate marketers and a published recognize which the functions subsidiaries' along with other affiliate marketers' HMDA Disclosure Statements might be received with the CFPB's Web-site.

In Each individual relevant Retail Lending Test Area, the Board evaluates originated and acquired loans in each of the subsequent merchandise lines That may be a big product line, as explained in paragraph (d)(2) of the portion:

The Board considers information and facts supplied by the bank and could take into account publicly out there information and facts and information supplied by governing administration or Neighborhood resources that demonstrates that a Neighborhood growth provider Advantages or serves a facility-based mostly evaluation place, Point out, or multistate MSA, or the nationwide place.

The Board evaluates a big bank's history of helping to meet the credit requirements of its total community in its outside retail lending area pursuant to § 228.

(four) Missing or defective info that could be required to compute the applicable metrics and benchmarks or some other factors that stop the Board from calculating a Retail Lending Test proposed summary.

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A large lender that experienced property bigger than $10 billion as of December 31 in both of those with the prior two calendar decades must obtain and retain every year, in Digital form, as prescribed via the Board, till the completion from the bank's next CRA evaluation where the data are evaluated, the greenback amount of its deposits in the county stage based on deposit site.

구글이나 빙 등 다른 검색 엔진을 사용하고 있다면, 검색창에 "네이버"를 입력하고 검색하면 네이버 홈페이지를 바로 찾아볼 수 있습니다.

(A) A lender may possibly specify yearly measurable aims for Group progress loans, Neighborhood improvement investments, or the two. The bank will have to foundation any annual measurable aims like a share or ratio on the lender's Neighborhood development loans and Local community improvement investments for all or sure kinds of community progress explained in § 228.

) of the portion in exactly the same calendar 12 months, of the Group development loan refinanced or renewed within a 12 months subsequent for the 12 months of origination or invest in, as of website December 31 of the calendar year for every year that the loan continues to be on the bank's balance sheet; or an existing community development expenditure renewed inside of a calendar year subsequent into the year the financial investment was built as of December 31 for on a yearly basis which the financial commitment stays within the bank's equilibrium sheet.

(B) Any counties by which the big financial institution did not originate any closed-conclusion home home finance loan loans or small organization loans that are claimed loans through that calendar calendar year.

A lender required to report property property finance loan loan knowledge pursuant to twelve CFR component 1003 have to incorporate in its general public file a written recognize the lender's HMDA Disclosure Assertion may very well be acquired on The buyer Fiscal Safety Bureau's (CFPB's) website at: