(i) The retail lending demands of its facility-based assessment parts, retail lending evaluation areas, and outside retail lending spot which can be lined via the program. A lender that originates or buys loans in an item line evaluated pursuant into the Retail Lending Test in § 228.

(7) Info indicating the credit desires of the facility-centered assessment spot or retail lending evaluation spot aren't staying met by lenders from the combination, this sort of which the relevant benchmarks usually do not adequately mirror Group credit score demands.

(ii) The retail banking expert services and retail banking products needs of its facility-based evaluation parts and for the institution degree which can be coated from the plan.

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If a bank opts to get evaluated pursuant into the Retail Lending Examination, the Board assigns conclusions for your lender's Retail Lending Test overall performance as offered in appendix C to this aspect. In assigning conclusions for a little lender, the Board may well contemplate efficiency context facts as furnished in § 228.21(d).

A bank must specify in its strategy how all components of a strategy coated in paragraphs (g)(one) as a result of (five) of this section, in conjunction with any other relevant effectiveness assessments not included in an approved strategic approach, need to be viewed as to assign:

The Board utilizes a financial institution's Over-all performance scores explained Within this part to assign a ranking click here for that financial institution's Over-all general performance in each Point out and multistate MSA, as relevant, and to the institution, subject to paragraphs (d) and (e) of the part.

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Pursuant to § 228.28 and appendix D to this part, the Board incorporates a financial institution's Retail Lending Exam conclusions into its State or multistate MSA rankings, as relevant, and its establishment rating.

Aside from a little bank that opts to generally be evaluated pursuant to your Retail Lending Examination in § 228.22, the Board assigns conclusions for the general performance of a small lender evaluated beneath this section as furnished in appendix E to this portion.

The Financial institution Condition Community Improvement Financing Metric steps the greenback volume of a lender's Local community growth loans and Neighborhood advancement investments that advantage or serve all or Element of a Condition when compared to deposits from the financial institution that are located during the Condition, calculated pursuant to paragraph II.d of appendix B to this component.

The Board considers the loans, investments, companies, and merchandise of affiliates of a bank that aren't functions subsidiaries, at the lender's possibility, issue to the subsequent: