(A) The Agency decides which the bank hasn't supplied ample justification for the prepare and every facet of the approach as expected pursuant to paragraph (d) of the segment;
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(ii) If a considerable financial institution is now not required to delineate a retail lending assessment region previously discovered from the prepare because of not Conference the essential retail lending assessment place thresholds pursuant to § 228.
In Just about every applicable Retail Lending Test Area, the Board evaluates originated and procured loans in Every of the subsequent products strains That could be a significant products line, as explained in paragraph (d)(2) of the section:
(ix) An indicator for whether or not the loan was to a business or farm with gross annual revenues larger than $one million; and
(i) A financial institution may possibly incorporate performance evaluation factors and accompanying yearly measurable targets for additional geographic regions but may not remove the evaluation of its effectiveness in any geographic location that could be included in its effectiveness analysis inside the absence of the approved program.
(4) Lacking or defective data that would be required to work out the pertinent metrics and benchmarks or another elements that stop the Board from calculating a Retail Lending Test advised conclusion.
) Advantages or serves a number of geographic spots with low levels of Neighborhood progress funding;
In assigning Retail Lending Take a look at conclusions for any Point out pursuant to § 228.22(h), the Board won't take into account a bank's things to do being while in the State if All those routines occur in the retail lending evaluation location consisting of counties in multiple Point out.
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) Any boost in the calendar yr to an existing Local community growth loan which is refinanced or renewed or to an existing Local community advancement expenditure that's renewed;
Loans by a lender straight to businesses or farms, such as, but not limited to, loans in conjunction or syndicated having a U.
The Board considers the loans, financial commitment, products and services, and products and solutions of the bank's functions subsidiaries underneath this portion, Except if an operations subsidiary is independently issue to your CRA.