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Deposit items attentive to the wants of minimal- and moderate-money individuals, people, or households contain but usually are not restricted to, deposit products and solutions with the next kinds of features:
In Each individual applicable Retail Lending Test Space, the Board evaluates originated and purchased loans in Just about every of the next item lines that is a big product or service line, as described in paragraph (d)(two) of this part:
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The Board considers the utilization of a financial institution's deposit goods conscious of the wants of low- and reasonable-money folks, people, or households based upon the subsequent details:
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(2) In case the participants or buyers elect to allocate Neighborhood enhancement loans or Group development investments amid by themselves for thought less than this segment, no participant or Trader may perhaps claim a loan origination, loan obtain, or financial investment for Group advancement thought if An additional participant or Trader statements precisely the same loan origination, loan invest in, or investment; and
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For a substantial financial institution that experienced property higher than $ten billion as of December 31 in both of those on the prior two calendar several years, the Lender Nationwide Neighborhood Improvement Investment decision Metric measures the dollar volume on the financial institution's Neighborhood enhancement investments that benefit or provide all or part of the nationwide area, excluding home finance loan-backed securities, in comparison to the deposits in the lender located in the nationwide location, calculated pursuant to paragraph II.m of appendix B to this aspect.
The Board's evaluation in the responsiveness in the financial institution's pursuits is knowledgeable by details provided by the bank, and may be educated because of the impression and responsiveness critique components described in § 228.15(b).
(ii) If a large financial institution is not needed to delineate a retail lending assessment region Beforehand determined within the approach because of not Conference the essential retail lending evaluation spot thresholds pursuant to § 228.
(B) Any counties wherein the large financial institution didn't originate any shut-stop dwelling house loan loans or compact enterprise loans which have been noted loans through that calendar calendar year.
(4) In the event the bank didn't revise the First draft prepare in response to ideas or concerns from general public input received, an evidence for why any suggestion or concern wasn't tackled within the draft plan.
The Board read more evaluates a bank and assigns conclusions and rankings underneath this portion in any multistate MSA by which the bank maintains a main office, a department, or maybe a deposit-using remote company facility in two or even more States inside of that multistate MSA.