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설정한 아이디는 나중에 변경할 수 없으니 신중하게 입력해주세요. 변경 전 공유된 블로그/글/클립 링크는 연결이 끊길 수 있습니다.
This section implements the prerequisite inside the CRA that the Board evaluate a bank's report of assisting to meet the credit score requirements from the local communities by which the financial institution is chartered, per the Safe and sound and sound Procedure from the bank, and to choose this report under consideration from the agency's evaluation of the application for just a deposit facility from the financial institution. Accordingly, this part:
An intermediate lender or a little lender for which vehicle loans are an item line could obtain and manage in the format in the bank's picking out, such as in an Digital sort prescribed by the Board, right until the completion on the bank's upcoming CRA assessment where the information are evaluated, the data explained in paragraphs (a)(2)(iii)(A) through (F) of the section for each automobile loan originated or ordered from the bank during the evaluation time period.
(ix) An indicator for whether or not the loan was to a business or farm with gross annual revenues increased than $1 million; and
For each key item line, a Geographic Community Benchmark, calculated pursuant to paragraph III.c of appendix A to this section for facility-primarily based evaluation parts and retail lending assessment areas, and paragraph III.e of appendix A to this element for out of doors retail lending spots.
(i) An intermediate lender's Neighborhood growth overall performance is evaluated pursuant to the next requirements:
The Board's consideration from the remote provider facility distribution metrics is knowledgeable by the following benchmarks:
The Financial institution Nationwide Neighborhood Advancement Funding Metric steps the dollar quantity on the financial institution's Neighborhood improvement loans and community development investments that reward or provide all or Component of the nationwide location in comparison with deposits during the financial institution situated in the nationwide spot, calculated pursuant to paragraph II.j of appendix B to this part.
Every single lender in our community has their unique coverage In terms of late payments. Before you conform to a loan you'll be presented with the information concerning the implications of making late payments.
The Board evaluates an intermediate bank's document of helping to meet the credit history desires of its total Local community pursuant to the Retail Lending Check in § 228.
The Board considers the weighted ordinary from the effectiveness scores equivalent to the financial institution's Local community here Advancement Products and services Check conclusions for its facility-dependent evaluation locations inside of a Point out, multistate MSA, or perhaps the institution pursuant to segment IV of appendix B to this section.
(iii) The lender's record of lending to and, as acceptable, participating in other retail and Local community enhancement lending-associated routines for borrowers of different revenue stages and enterprises and farms of various dimensions;
The lender will supply you with a document that outlines every one of the conditions from the loan currently being offered. The data supplied will incorporate the fees and costs that you'll be liable for.