Inside a facility-based mostly evaluation area or outside retail lending spot, a product line is A serious solution line In the event the bank's loans in that products line comprise 15 p.c or even more in the lender's loans throughout every one of the lender's item lines in the ability-centered evaluation spot or outside the house retail lending area, as identified pursuant to paragraph II.b.1 of appendix A to this portion.
) Big financial institutions that experienced belongings less than or equal to $ten billion as of December 31 in both of your prior two calendar years and that don't work branches.
In Each individual applicable Retail Lending Take a look at Region, the Board evaluates originated and ordered loans in each of the next product or service strains that is a key products line, as explained in paragraph (d)(two) of the section:
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The Board considers the utilization of the bank's deposit solutions attentive to the requirements of minimal- and moderate-money men and women, people, or households dependant on the following information and facts:
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The Board's consideration on the distant assistance facility distribution metrics is educated by the subsequent benchmarks:
(i) An intermediate financial institution's Group improvement performance is evaluated pursuant to the next criteria:
Pursuant to § 228.28 and paragraph file of appendix D to this section, the Board incorporates the conclusions of the bank evaluated less than an authorised approach into its Point out or multistate MSA rankings, as applicable, and its establishment score, accounting for paragraph g.2 of appendix D to this part, as relevant.
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The Board evaluates a restricted goal financial institution's Neighborhood advancement financing functionality while in the nationwide spot, pursuant to § 228.19, and assigns a conclusion for your institution based on the Board's thing to consider of the subsequent two parts:
(iii) The lender's report of lending to and, as appropriate, participating in other retail and Local community enhancement lending-connected functions for borrowers of various money ranges and firms and farms of different measurements;
(i) The whole lot of only one MSA (utilizing the MSA boundaries which were in influence as of January one of your calendar calendar year wherein the delineation applies), excluding any counties In the substantial financial institution's facility-based mostly assessment areas; or