The Board or its appointed agent, prepares each year, for every MSA or metropolitan division (which includes an MSA or metropolitan division that crosses a Point out boundary) as well as nonmetropolitan portion of each State, an mixture disclosure assertion of reported tiny business enterprise lending, compact farm lending, Neighborhood progress lending, and Neighborhood improvement investments by all depository establishments issue to reporting beneath this aspect or twelve CFR aspect 25 or 345.

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Apart from as otherwise delivered in this segment, a bank ought to be certain that its general public file incorporates the data expected by this portion for each of your prior three calendar a long time, with The latest calendar calendar year included in its file yearly by April 1 of the present calendar year.

(1) For banking companies that keep an internet site, all info demanded for your financial institution's community file less than this segment needs to be preserved over the bank's Site.

The Board considers the usage of the lender's deposit products and solutions attentive to the desires of lower- and moderate-cash flow individuals, people, or homes dependant on the following details:

하지만, 때로는 너무나 익숙한 나머지 네이버에 접근하는 방법조차 잊어버릴 때가 있습니다. "아, 네이버 어떻게 들어가지?" "네이버 앱, 어디서 받지?" 이런 흔한

네이버 아이디 또는 개인정보가 포함된 문자 사용은 피해주세요. 블로그 도움말에서 아이디 변경 유의사항을 확인해보세요. 나중에 할게요

The Retail Lending Examination evaluates a lender's document of helping to fulfill the credit score needs of its entire Local community with the lender's origination and purchase of auto loans If your bank can be a vast majority automobile lender.

In assigning Retail Lending Test conclusions for just a Condition pursuant to § 228.22(h), the Board would not take into consideration a lender's activities to generally be from the State if those actions occur inside a retail lending evaluation location consisting of counties in multiple State.

(i) All the information expected for the bank's community file should be maintained at the leading Workplace and, if an interstate bank, at a person department office in Each and every Point out; and

A bank must specify in its program how all features of the program coated in paragraphs (g)(1) via (five) of this area, along side almost every other applicable functionality checks not included in an authorized strategic prepare, must be deemed to assign:

The Multistate MSA Community Enhancement Funding Benchmark steps the greenback quantity of Group improvement loans and Group progress investments that gain or provide a multistate MSA for all large depository institutions compared to deposits situated in the multistate MSA for all substantial depository establishments, calculated pursuant to paragraph more info II.h of appendix B to this component.

Upon ask for, a bank have to supply copies, either on paper or in electronic kind satisfactory to the person producing the ask for, of the information in its public file. The bank may well charge an affordable fee not to exceed the cost of copying and mailing (Otherwise offered in electronic variety).

A bank which has been authorised to generally be evaluated below a strategic approach ought to consist of in its community file a duplicate of that system while it really is in result. A bank needn't contain information and facts submitted on the Board over a confidential basis at the side of the plan.