(iii) A financial institution that includes extra efficiency evaluation parts with accompanying once-a-year measurable goals in its prepare ought to specify the geographic areas exactly where Individuals factors and targets implement.
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The Nationwide Asset-Dependent Community Enhancement Funding Benchmark actions the dollar quantity of Group progress loans and Group development investments that reward or serve all or Portion of the nationwide place of all depository establishments that claimed pursuant to § 228.
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(ii) In case the Board, the FDIC, along with the OCC decide that a loan or investment decision is no longer eligible for community enhancement consideration, the operator in the loan or investment decision at the time with the determination will continue on to obtain community enhancement thought with the remaining term or duration of the loan or expense.
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Pursuant to § 228.28 and appendix D to this portion, the Board incorporates a bank's Retail Lending Examination conclusions website into its Condition or multistate MSA scores, as applicable, and its institution score.
(B) A financial institution might specify using property instead denominator for any community enhancement financing metric if it superior steps a bank's ability.
The Board considers the loans, expenditure, products and services, and products of the lender's functions subsidiaries below this element, Except if an operations subsidiary is independently subject to your CRA.
The Board considers the weighted normal of the effectiveness scores corresponding to the lender's Community Growth Services Check conclusions for its facility-based mostly evaluation locations in just a Point out, multistate MSA, or maybe the establishment pursuant to portion IV of appendix B to this element.
Pursuant to § 228.28 and appendix C to this part, the Board assigns conclusions for a lender's Retail Expert services and Merchandise Examination efficiency in Every single facility-primarily based evaluation location, Point out and multistate MSA, as applicable, and with the institution.
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b of appendix A to this element for facility-based assessment regions and retail lending evaluation regions, and paragraph IV.d of appendix A to this part for outside retail lending places; and
) The allocation of loans, investments, services, and items into a bank, or among affiliated banks, will have to replicate an affordable basis with the allocation and will not be for the sole or Most important purpose of inappropriately boosting any financial institution's CRA evaluation.