(5) Whether or not the Retail Lending Examination suggested summary would not accurately reflect the lender's effectiveness in a Retail Lending Examination Area by which one or more from the lender's important product or service lines consists of less than 30 loans;

The Board evaluates a military financial institution pursuant to the relevant general performance checks explained in paragraph (a) of this section.

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(ii) A lot more than 50 % in the project is non-residential as calculated by the percentage of overall square footage or dollar degree of the task.

The Board may regulate a confined reason lender's institution ranking from “Satisfactory” to “Outstanding” wherever a lender requests and gets more thought for products and services that could qualify under the Local community Enhancement Services Examination in § 228.25.

If a lender opts to get evaluated pursuant into the Retail Lending Check, the Board assigns conclusions to the lender's Retail Lending Exam effectiveness as provided in appendix C to this element. In assigning conclusions for a small bank, the Board may possibly look at performance context details as presented in § 228.21(d).

The Board evaluates a sizable bank's history of assisting to meet the credit score requirements of its entire Group in its exterior retail lending spot pursuant to § 228.

The loans, investments, companies, and goods of a lender's functions subsidiary has to be A part of the lender's strategy, Except if the functions subsidiary is independently issue to CRA needs.

To judge a financial institution's retail banking products and services, the Board considers a lender's department availability and companies presented at branches, remote services facility availability, and electronic supply devices and various shipping devices, as follows:

(iv) The Local community growth providers demands of its facility-dependent assessment areas served via the financial institution which are coated from the approach.

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(B) The Board decides that evaluation underneath the approach would not provide a extra meaningful reflection with the bank's document of assisting to meet up with the credit score needs of the lender's community;

(one) Details indicating that a lender obtained shut-conclusion property house loan loans, compact company loans, smaller farm loans, or car loans for the only real or Key purpose of inappropriately maximizing its retail lending performance, such as, although not limited to, facts indicating subsequent resale of these kinds of loans or any indicator that this kind of loans are already thought of in various depository institutions' CRA evaluations, in which situation the Board would not contemplate this sort of click here loans during the financial institution's efficiency analysis;

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