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The Board evaluates a constrained purpose bank's Neighborhood advancement funding performance in Just about every Condition or multistate MSA, as applicable pursuant to §§ 228.

In each relevant Retail Lending Examination Region, the Board evaluates originated and bought loans in each of the next solution strains that is a main item line, as explained in paragraph (d)(two) of the segment:

You should critique the rules within your condition To find out more with regard to the implications of not repaying a payday loan.

The Board evaluates a big bank's file of helping to meet the credit score needs of its entire Local community in its outdoors retail lending area pursuant to § 228.

(six) A bank's closed-end household property finance loan lending, small business enterprise lending, small farm lending, or auto lending in distressed or underserved nonmetropolitan middle-earnings census tracts where a lender's nonmetropolitan facility-dependent assessment spot or nonmetropolitan retail lending evaluation spot consists of very few or no reduced- and moderate-profits census tracts; and

(ii) Any county inside a nonmetropolitan place through which the bank didn't originate or buy any shut-stop home property finance loan loans, modest company loans, compact farm loans, or car loans if vehicle loans are a product line to the lender.

A big financial institution that had property better than $10 billion as of December 31 in the two of your prior two calendar years should acquire and keep per year, in Digital kind, as prescribed with the Board, until eventually the completion with the financial institution's more info following CRA evaluation where the information are evaluated, the dollar degree of its deposits within the county stage based on deposit locale.

(seven) Data indicating that the credit history wants of the facility-dependent assessment place or retail lending assessment spot usually are not being satisfied by lenders in the mixture, such the applicable benchmarks usually do not sufficiently replicate community credit score requires.

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For every significant products line, a Borrower Local community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this component for facility-centered assessment spots and retail lending assessment areas, and paragraph IV.e of appendix A to this aspect for outside retail lending spots.

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