This portion isn't going to use to banks that do not accomplish commercial or retail banking providers by granting credit rating to the public within the normal system of company, other than as incident to their specialized functions and finished on an accommodation basis.
설정한 아이디는 나중에 변경할 수 없으니 신중하게 입력해주세요. 변경 전 공유된 블로그/글/클립 링크는 연결이 끊길 수 있습니다.
This aspect implements the need in the CRA that the Board assess a financial institution's record of helping to meet the credit rating wants in the regional communities during which the financial institution is chartered, according to the Safe and sound and sound operation of your lender, and to choose this document into account inside the agency's evaluation of the software for just a deposit facility because of the financial institution. Appropriately, this aspect:
(i) The quantity and proportion of originations and programs of the massive financial institution's household home finance loan loans by borrower or applicant revenue degree, race, and ethnicity;
(i) Why the financial institution's company design is outside the scope of, or inconsistent with, one or more elements of the general performance exams that could utilize while in the absence of the authorized approach;
The Board considers the weighted average in the functionality scores equivalent to the lender's Group Growth Financing Exam conclusions for its facility-primarily based evaluation locations in the Point out, pursuant to part IV of appendix B to this section.
(two) The dispersion of the financial institution's shut-conclude dwelling mortgage lending, little enterprise lending, tiny farm lending, or vehicle lending inside a facility-centered evaluation area to ascertain no matter if you can find gaps in lending that are not explained by general performance context;
Should you have comments or recommendations regarding how to Enhance the Internet site or have questions about using , make sure you choose the 'Website Comments' check here button under.
usually means a loan to one or more folks for family, relatives, or other particular expenditures and that is one of the next forms of loans:
상세한 안내를 받고 싶으신 경우 네이버 고객센터로 문의주시면 도움드리도록 하겠습니다. 건강한 인터넷 환경을 만들어 나갈 수 있도록 고객님의 많은 관심과 협조를 부탁드립니다.
The Board considers the loans, investments, solutions, and solutions of affiliates of a bank that are not functions subsidiaries, at the bank's choice, subject matter to the subsequent:
A significant lender ought to accumulate and manage, in a format with the bank's picking or inside of a standardized structure, as supplied by the Board, right up until the completion with the bank's future CRA evaluation by which the data are evaluated, the subsequent Neighborhood improvement companies info:
(ii) The amount and proportion of originations and programs of aggregate mortgage loan lending of all lenders reporting HMDA knowledge in the ability-primarily based assessment location and as relevant, the retail lending evaluation location; and
A financial institution need to manage a community file, in either paper or electronic structure, that includes the next information: