(A) The Company determines the lender hasn't delivered ample justification for that program and every facet of the system as required pursuant to paragraph (d) of this section;
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(ii) If a large financial institution is not necessary to delineate a retail lending evaluation space Beforehand recognized within the strategy on account of not Assembly the demanded retail lending evaluation region thresholds pursuant to § 228.
The Board may well take into consideration a bank's Local community enhancement loans, Neighborhood progress investments, and Group enhancement solutions offered outside of its facility-based mostly evaluation spots, as provided On this aspect.
The Board may well approve a prepare right after considering the standards in paragraph (h)(3) of the portion and when it determines the financial institution has offered adequate justification for the approach and each element of the system as demanded in paragraph (d) of this section.
(A) Brings together the efficiency scores for each supporting summary for every main product line into a product line score; and
(i) An intermediate bank's Neighborhood enhancement functionality is evaluated pursuant to the subsequent conditions:
A bank ought to delineate one or more facility-dependent evaluation areas in just which the Board evaluates the lender's document of assisting to fulfill the credit requirements of its total Local community pursuant into the functionality tests and strategic prepare explained in § 228.21.
(three) The amount and greenback quantity of modest business loans and compact farm loans Situated inside of Each and every facility-primarily based evaluation region and retail lending assessment spot claimed from the lender along with the number and dollar quantity of small organization loans and compact farm loans Situated beyond the power-based assessment locations and retail lending assessment places described by the financial institution; and
The Board assigns conclusions for the performance of a bank working below a strategic program pursuant to § 228.
A lender will have to specify in its plan how all elements of the approach included in paragraphs (g)(one) through (five) of the segment, in conjunction with some other read more relevant effectiveness assessments not included in an accepted strategic program, really should be viewed as to assign:
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A lender's system ought to offer a justification that demonstrates the need for the following elements of a program a result of the financial institution's enterprise model (
(ii) Should the Board, the FDIC, plus the OCC figure out that a loan or financial investment is no longer eligible for Local community enhancement consideration, the proprietor of your loan or investment decision at enough time of your determination will keep on to get Local community enhancement thing to consider for your remaining phrase or period of the loan or expenditure.