The Board evaluates a financial institution's branch availability and solutions inside a facility-based assessment region determined by the subsequent:
(ii) In line with paragraph (g) of the part, a bank's strategy could include things like optional analysis elements or eligible modifications and additions on the overall performance checks that could implement in the absence of the permitted prepare.
suggests a channel by which financial institutions offer retail banking companies electronically, such as on the net banking or mobile banking.
(ii) When the financial institution has created its Original draft approach, formally solicit public touch upon the Original draft system for a minimum of 60 times by:
The Board weights the bank's performance score to the functionality tests relevant to an intermediate bank as follows:
(B) A lender other than a big financial institution could contain a Local community enhancement products and services part and accompanying once-a-year measurable plans in its system.
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(B) A lender may well specify making use of property as an alternative denominator for your Group advancement financing metric if it improved measures a financial institution's potential.
(5) Whether the Retail Lending Examination suggested summary doesn't correctly mirror the financial institution's performance in a Retail Lending Exam Location wherein a number of with the lender's important item lines contains much less than thirty loans;
The Board considers The supply of remote support services in the following geographic areas:
(ii) If a significant lender is not required to delineate a retail lending evaluation place Formerly discovered during the system because of not Conference the expected retail lending click here assessment place thresholds pursuant to § 228.
In the course of the expression of the plan, a bank need to submit on the Board for approval an amendment to its program if a fabric transform in instances:
(iii) The lender's record of lending to and, as suitable, partaking in other retail and Neighborhood progress lending-related things to do for borrowers of different income amounts and enterprises and farms of different sizes;
(i) The whole thing of an individual MSA (using the MSA boundaries that were in effect as of January 1 of the calendar calendar year where the delineation applies), excluding any counties In the significant lender's facility-dependent assessment places; or