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(i) The retail lending requirements of its facility-primarily based assessment parts, retail lending evaluation places, and outside retail lending location which might be lined by the plan. A lender that originates or buys loans in a product line evaluated pursuant to the Retail Lending Take a look at in § 228.
(A) The Board considers the digital supply units and also other shipping and delivery techniques of the following banking institutions:
Pursuant to 12 U.S.C. 2906, the Board offers conclusions derived under this aspect individually for metropolitan places by which a bank maintains a number of domestic branch offices and for your nonmetropolitan region of the State if a lender maintains a number of domestic department offices in these kinds of nonmetropolitan location.
Feedback or questions on document information can not be answered by OFR workers. You should do not offer confidential information 228 loan and facts or personal information.
. The lender will have to incorporate the prepared notice in the general public file within just 3 enterprise times right after obtaining notification with the FFIEC of The supply on the disclosure assertion.
(3) The number and greenback quantity of tiny business enterprise loans and compact farm loans located within Just about every facility-primarily based evaluation spot and retail lending evaluation location reported because of the bank along with the quantity and greenback quantity of small organization loans and compact farm loans Found beyond the power-primarily based evaluation areas and retail lending assessment parts reported from the bank; and
The lender should submit its draft want to the Board at the very least ninety days before the proposed productive date of the prepare. The financial institution need to also submit with its draft strategy:
The Board evaluates the document of the intermediate bank, or a small bank that opts to generally be evaluated beneath the Retail Lending Examination, of helping to meet up with the credit score desires of its overall Local community in its outdoors retail lending spot pursuant to § 228.22, for a certain calendar 12 months, if:
The surface retail lending place is comprised of element geographic areas. A element geographic place is any MSA or even the nonmetropolitan space of any State, or portion thereof, provided within just the skin retail lending region.
For each major product line, a Borrower Local community Benchmark, calculated pursuant to paragraph IV.c of appendix A to this component for facility-primarily based evaluation regions and retail lending assessment parts, and paragraph IV.e of appendix A to this element for outside retail lending parts.
(3) The bank might not declare Local community enhancement loans or Group development investments accounting for greater than its percentage share (depending on the level of its participation or investment) of the full loans or investments produced by the consortium or 3rd party.