A bank may perhaps specify alternate weights for averaging examination performance across assessment locations or other geographic locations. These choice weights need to be based upon the financial institution's capacity and Group desires and alternatives in distinct geographic regions.
(E) Allocation in the dollar volume of the Local community improvement loan or community advancement financial investment to geographic areas served by the loan or investment decision:
(one) Proof of observe publication and an outline of its attempts to seek enter from customers of the general public, including folks and companies the financial institution contacted And just how the bank collected data;
In Each individual applicable Retail Lending Examination Spot, the Board evaluates originated and purchased loans in Each individual of the next merchandise strains That may be a big product line, as described in paragraph (d)(two) of the area:
(iii) A populace lack of ten per cent or more amongst the previous and most recent decennial census or maybe a net inhabitants decline of five p.c or maybe more above the five-12 months time period previous The latest census.
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The Board weights the financial institution's performance rating for the efficiency exams applicable to an intermediate bank as follows:
The loans, investments, companies, and merchandise of a lender's operations subsidiary need to be A part of the lender's program, Except if the operations subsidiary is independently subject to CRA demands.
(e) Knowledge on community development loans and Local community advancement investments by a consortium or a third party.
(ii) When the bank has designed its First draft approach, formally solicit public comment on the Preliminary draft prepare for a minimum of 60 days by:
(A) A bank may perhaps specify yearly measurable ambitions for community improvement loans, Group growth investments, or both equally. The financial institution need to foundation any annual measurable targets as being a share or ratio in the bank's Local community enhancement loans and Neighborhood growth investments for all or specific forms of Group advancement described in § 228.
(x) An indicator for whether the loan was to a business or farm for which gross annual revenues usually are not acknowledged via the bank.
Tasks to revitalize or stabilize a specific census tract which include both of those commercial and residential components qualify as revitalization or stabilization actions beneath this paragraph (e)(2), if:
(x) An indicator for whether the loan was to a business or farm for which gross yearly revenues usually are not acknowledged because of 228 loan the financial institution.