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The Board may possibly adjust the rating of an intermediate financial institution evaluated as furnished in paragraph (a)(two) of this segment from “Satisfactory” to “Remarkable” for the institution degree exactly where the financial institution requests and gets extra consideration for pursuits that may qualify pursuant to the Retail Companies and Products and solutions Exam in § 228.23.

(ii) If a considerable lender is not required to delineate a retail lending assessment area Earlier identified in the approach due to not meeting the required retail lending assessment region thresholds pursuant to § 228.

(one) A customer loan is found within the census tract where by the borrower resides at time the borrower submits the loan software;

(iii) A populace loss of 10 percent or more amongst the former and newest decennial census or a net population decline of 5 p.c or maybe more over the 5-12 months period of time previous The latest census.

(A) Brings together the general performance scores for every supporting conclusion for every main item line into an item line score; and

(six) A bank's shut-stop household home loan lending, small organization lending, compact farm lending, or vehicle lending in distressed or underserved nonmetropolitan middle-cash flow census tracts in which a lender's nonmetropolitan facility-based mostly evaluation area or nonmetropolitan retail lending evaluation region incorporates hardly any or no low- and reasonable-earnings census tracts; and

) A financial institution may well use different weights for combining the borrower and geographic distribution analyses for important item line(s) or other loan goods.

Matter into the geographic demands in paragraph (b) of the segment, a significant financial institution need to delineate, for a specific calendar calendar year, a retail lending evaluation spot in any MSA or while in the nonmetropolitan location of any Condition check here through which it originated:

Pursuant to § 228.28 and paragraph f of appendix D to this aspect, the Board incorporates the conclusions of a financial institution evaluated beneath an permitted plan into its Point out or multistate MSA ratings, as applicable, and its institution score, accounting for paragraph g.two of appendix D to this aspect, as applicable.

Loans, investments, and expert services that assist small companies or modest farms in accordance with how tiny enterprises and tiny farms are defined while in the relevant strategy, application, or initiative, but excluding loans by a financial institution on to modest firms or small farms (possibly as described in a federal government strategy, software, or initiative or in § 228.

A large bank ought to acquire and report back to the Board annually by April 1 a summary of Every single retail lending assessment region exhibiting the States, MSAs, and counties while in the retail lending evaluation spot to the prior calendar yr.

Loans by a financial institution directly to companies or farms, together with, but not limited to, loans in conjunction or syndicated by using a U.

) The number of retail banking services and retail banking solutions made available by digital delivery techniques as well as other shipping devices; and