For each big products line, the Board develops a independent supporting summary for every group of census tracts and each class of borrowers explained in paragraphs V.a and VI.a of appendix A to this part.
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To create supporting conclusions for geographic distributions of closed-conclude home property finance loan loans, compact small business loans, and small farm loans, the Board evaluates the financial institution's overall performance by comparing the Geographic Financial institution Metric to efficiency ranges, dependant on the Geographic Market Benchmark, the Geographic Community Benchmark, and multipliers, as explained in paragraphs V.b and V.c of appendix A to this component.
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A bank that is not a bulk automobile lender may opt to own automobile loans evaluated under this portion.
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Pursuant to § 228.21, the Retail Lending Examination evaluates a lender's record of assisting to meet the credit wants of its total Neighborhood through the lender's origination and buy of house home loan loans, multifamily loans, little enterprise loans, and compact farm loans.
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(A) Distributing the Original draft plan for publication to the Board's Web site and by publishing the Preliminary draft program about the lender's Site, Should the bank maintains one particular; and
The Board assigns a conclusion for the efficiency of an intermediate bank evaluated pursuant to this section as offered in appendices C and E to this portion. In assigning conclusions for an intermediate financial institution, the Board may contemplate functionality context information and facts as provided in § 228.21(d).
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A constrained intent lender's Group enhancement financing effectiveness in its facility-centered evaluation places while in the State or multistate MSA; and
(A) The Board considers the digital shipping and delivery methods along with other delivery units of the following banking companies: