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The Board may approve a program just after looking at the criteria in paragraph (h)(3) of this part and when it determines which the bank has offered suitable justification for the program and each aspect of the prepare as expected in paragraph (d) of the area.

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Jobs to revitalize or stabilize a specific census tract that come with both commercial and household components qualify as revitalization or stabilization activities below this paragraph (e)(2), if:

The Board considers the utilization of the bank's deposit products and solutions attentive to the requires of lower- and average-revenue people today, households, or households dependant on the following data:

(four) Missing or defective info that would be important to compute the related metrics and benchmarks or another variables that avert the Board from calculating a Retail Lending Examination recommended summary.

The Board evaluates a lender's remote assistance facility availability inside a facility-centered assessment area depending on the subsequent:

Inside of a facility-dependent assessment area or exterior retail lending location, website an item line is A significant item line When the lender's loans in that merchandise line comprise 15 per cent or more on the bank's loans across all of the financial institution's product traces in the power-based mostly evaluation region or exterior retail lending area, as decided pursuant to paragraph II.b.one of appendix A to this component.

For a small financial institution evaluated underneath the Tiny Bank Lending Take a look at, the Board prices the financial institution's performance underneath this section as furnished in appendix E to this part.

The Board considers the weighted average on the performance scores akin to the lender's Community Advancement Expert services Test conclusions for its facility-primarily based assessment parts inside of a Point out, multistate MSA, or the institution pursuant to segment IV of appendix B to this element.

The State Group Growth Financing Benchmark actions the dollar quantity of community enhancement loans and Local community improvement investments that profit or serve all or part of a Condition for all big depository establishments in comparison with deposits situated in the State for all significant depository institutions, calculated pursuant to paragraph II.e of appendix B to this aspect.

(B) The Board establishes that analysis beneath the program would not offer a far more meaningful reflection of the financial institution's document of assisting to meet up with the credit wants in the lender's Local community;

An outline and translation of usually-used debt collection terms is out there in multiple languages at .

The Board evaluates a bank and assigns conclusions and ratings under this part in almost any multistate MSA wherein the lender maintains a key Office environment, a department, or possibly a deposit-using remote company facility in two or maybe more States in that multistate MSA.